My husband is disabled, receives Medicare with prescriptions cov. with Cigna. Five reimbursement checks bounced. Help.

Question

Cigna did not coordinate their benefits with Nathan's primary insurance coverage through Regence. Cigna did not cover any copays for 3 years. We didn't quite understand the magnitude until speaking to our pharmacy and doing some investigating.  We spent hours and hours collecting print outs from the pharmacy, filling out dozens of claim forms, talking on the phone with Cigna, Medicare and the insurance commissioner. We started getting reimbursement checks, we have received 5 so far and they are all being returned as BAD. My husband's account is negative and he is accruing fees.  Cigna has not been helpful, no one knows what's going on, they are having a hard time finding record of the checks being issued. I have taken time off of work to deal with this and it has caused so much stress to our family.  We are overwhelmed. Cigna did not do their job for 3 years and then when we ask for them to fix it, they pay us with bad checks. Can someone please help us? Isn't this fraud?

Vincent J. Bernabei · Answer

If you have received bad checks, you can recover from the company issuing the checks the costs of collecting the amount of the check, including attorney's fees, interest on the amount of the check which accrues at the rate of twelve percent per annum from the date of dishonor; and three hundred dollars or three times the face amount of the check, whichever is less. 
This isn't a personal injury matter; it is a collections matter.

Q: My husband is disabled, receives Medicare with prescriptions cov. with Cigna. Five reimbursement checks bounced. Help.