Musalole Cigna kuti apulumuke

Pumulani mu Mtendere, Nataline.

Ngati simunalandidwapopo phindu, simunakhalepo ndi inshuwaransi, kapena munamvapo za wina yemwe ali - ndinu munthu wamwayi! Makampani a inshuwaransi ndi omwe amapindulitsa kwambiri ku United States. Masamu ndi osavuta, pomwe anthu amalola kuti afe - phindu limakhala labwino.

Kodi tingasinthe izi ndi Intaneti ndi blogosphere? Kodi tingathe kuphulitsa injini zosaka ndi mauthenga a Cigna Amakonda ndikupanga kusiyana? Amati ali mu bizinesi yosamalira. Kodi izi ndi zoona? Kodi kusamala sikumawononga ndalama zambiri kuposa kusasamala? Ndikukhulupirira kuti Madokotala amasamalira, koma makampani a Inshuwaransi ali ndi chilimbikitso chosiyana.

M'kalata ya Disembala 11, madokotala anayi adapempha wopanga inshuwaransi kuti aganizirenso. Anati odwala omwe amafanana ndi omwe amaikidwa magazi amakhala ndi moyo wa miyezi isanu ndi umodzi pafupifupi 65%.

Cigna adati zinali zoyeserera ndipo sizinatchulidwe ndi mfundo zawo.

Nataline Sarkisyan tsopano wamwalira atatha zaka zitatu akulimbana ndi khansa ya m'magazi ndikumakana kuyika kofunikira kuchokera ku kampani yake ya Inshuwaransi, Cigna.

Izi sizoperewera kupha koyamba m'maso mwanga. Wolemba ntchito amene wamwalira wantchito chifukwa cha magwiridwe antchito atha kupatsidwa mlandu wakupha munthu kapena kufa mosayenera, bwanji kampani ya Inshuwaransi singathe? Cigna sananyalanyaze vutoli, adasanthula ndikupanga chisankho chofuna kusiya wodwalayo kuti afe.

Nkhani zonsezi zimandikwiyitsa komanso zimandiopsa. Ngati muli ndi masheya ku Cigna kapena ngakhale Mutual Fund yomwe ili ndi Cigna muvuto, ndikukulimbikitsani kuti musagwirizane ndi kampani yotere. Yakwana nthawi yoti makampani a inshuwaransi asiye kusiya matumba awo ndi magazi a anthu omwe amawalipira.

Zambiri pa kulimbana kwa Nataline:

  1. Nataline amwalira, manyazi pa Cigna
  2. Cigna imapha Nataline
  3. RIP, Nataline
  4. Nataline wamwalira

CIGNA Executive Management Team - mumagona bwanji usiku ?!

  • H. Edward Hanway, Wapampando ndi Chief Executive Officer, CIGNA Corporation
  • Michael W. Bell, Wachiwiri kwa Purezidenti Wotsogolera komanso Chief Financial Officer, CIGNA Corporation
  • David M. Cordani, Purezidenti, CIGNA HealthCare
  • Paul E. Hartley, Purezidenti, CIGNA International
  • John M. Murabito, Wachiwiri kwa Purezidenti, Human Resources and Services, CIGNA Corporation
  • Carol Ann Petren, Wachiwiri kwa Wachiwiri kwa Purezidenti ndi Uphungu Wonse, CIGNA Corporation
  • Karen S. Rohan, Purezidenti, CIGNA Group Insurance ndi Purezidenti, CIGNA Dental & Vision Care
  • Michael D. Woeller, Wachiwiri kwa Purezidenti Woyang'anira komanso Chief Information Officer, CIGNA Corporation

24 Comments

  1. 1
    • 2

      Wawa JHS,

      Gawo loopsa kwa ine ndi ili chabe - kampani ya inshuwaransi mdziko muno ili ndi mphamvu zotsutsa zomwe dokotala akuumiriza kuti atalikitsa kapena kusunga moyo.

      Bizinesi yopanga chisankho chokhudza moyo kapena imfa iyenera kukhala yosaloledwa. Plain ndi yosavuta.

      Doug

      • 3

        Doug,

        Inde, ndizowopsa, koma zakhala zowona kwanthawi yayitali. Chochitika chonsechi ndichodabwitsa: Anthu ena amayenera kufa chifukwa chopereka cha omwe amapereka sichipezeka. Apa ife mwachiwonekere tinali ndi vuto pomwe panali imodzi, ndipo samatha kuipeza.

        Kapenanso, atha, koma banja lake lonse liyenera kuti linali kugulitsa mapensulo mumsewu chuma chawo chitatha. Ichi ndichifukwa chake amaganiza kuti ali ndi inshuwaransi. China chake chalakwika pachithunzichi…

        • 4

          Wawa Bob!

          Ndasangalala kukuwonani pano ndikukhulupirira kuti mukuchita bwino

          Ikani bwino.

          Ndikuyembekeza kuti titha kugwiritsa ntchito kukakamizidwa kuti nyumba yamalamulo yathu isiyire chisamaliro cha odwala komwe kuli - ndi dokotala osati kampani ya inshuwaransi.

          Doug

  2. 5

    Vuto ndiloti maziko amakampani a inshuwaransi yazaumoyo amadalira OSALIPIRA phindu. Izi ndi zomwe ndidakumana nazo poyesa kupeza chilolezo chamankhwala amwana wanga. Anavomereza Zyrtec-D, yomwe inali mankhwala osakhazikika mu 2004 nkhondoyo itayamba. Sindinatero. Tonse tinapatsidwa mankhwala ofanana a ADHD. Zanga zinavomerezedwa; chake sichinali. Sanalandiridwe mpaka chaka chino, pomwe Zyrtec-D idavomerezedwa kugulitsa OTC? Zinangochitika mwangozi? Mumasankha.

    Nkhani yathu ndi yaying'ono poyerekeza ndi izi, koma mfundoyi imagwirabe. Iwo adaphimba kuthiridwa mafuta m'mafupa komanso chisamaliro cham'mbuyomu m'malingaliro awo, adakwaniritsa udindo wawo wovomereza chithandizo china chilichonse chokwera mtengo cha mtsikanayo. Ndikukayikira kuti pempholi lidafika kwa munthu wodziwika (onani zolemba zanga za gastroenterologist yololeza mankhwala amisala, mwachitsanzo), kotero zinali zophweka kunena kuti ayi. Ngakhale atadwala madokotala anayiwo, adakana.

    Michael Moore ali ndi ufulu waukulu: Kuyika zisankho zamankhwala m'manja mwa wina aliyense kupatula dotolo wa wodwalayo ndikolakwika. Ndipo kwa omwe amatchedwa 'madotolo' ku Cigna ndiyenera kufunsa momwe angagwirizanitsire lumbiro lawo la Hippocrat ndi zomwe amakana.

  3. 7

    Tsoka ilo ambiri aku America tidutsa mafuta, osalankhula komanso osangalala. Timawerenga zamatsenga ngati awa ndikuganiza kuti sizingachitike kwa ine kapena banja langa. Timayesetsa kunyalanyaza kufunikira kwake ndi malingaliro ngati "adagwa m'ming'alu" kapena "akadamwalira mulimonse". Makina athu akulephera kufufuzira bwino komanso kupereka lipoti pazoyipa ndi milandu yamakampani a inshuwaransi chifukwa ambiri a inshuwaransi nawonso amalipira othandizira. Tili ndi atolankhani monga John Stossel villefying kanema wa Michael Moores Sicko patangotsala miyezi yochepa kuti Natalines Imwalira.

    Dzutsani Amereka

    Mpaka tonse titakwiya mokwanira ndikupanga kuyimba foni, lembani makalata ndikudziwitsa mkwiyo wathu, izi zipitilira. Nenani ndi cholembera, pakamwa panu ndi buku lanu mthumba.
    Lumikizanani ndi congressman wanu. Tumizani imelo atolankhani osanena zoona. Lumikizanani ndikuwopseza kunyanyala mabungwe omwe amalengeza pazowonetsa izi.

  4. 8

    Izi zonse zimadzutsa mafunso ambiri kenako zimandiyankha.

    Kuchokera pazomwe ndawerengazo, ngati atamuika ANTHA atakhala miyezi isanu ndi umodzi. Iye sakanakhala moyo motalika kwambiri kuposa pamenepo. Anali ndi matenda osachiritsika.

    Ndikumvera chisoni banja. Koma siidulidwa komanso youma monga momwe atolankhani ena amafunira. Ngati zikadakhala kuti amulandira mankhwalawa ndikukhala ndi moyo zaka zina 20… sizingathandize. Koma kupeza izi, kumafuna kuti alandire mankhwala olimbana ndi kukana… zomwe zikadamutengera chitetezo chamthupi chofooka ndikulimbitsa thupi kwambiri… zomwe zikadapangitsa khansa kufalikira mwachangu. NDI khansara inali yoyamba kudwala.

    Ndipo ndikudwala nkhondo yanga ndi makampani a inshuwaransi yazaumoyo tsopano. Chifukwa chake ndikudziwa kuti atha kukhala opanda nzeru. Ndipo zonena zanga ndi madola mazana angapo chabe… palibe paliponse pafupi ndi ziwerengero zisanu ndi chimodzi zomwe akuti anali kuzungulirazungulira.

    • 9

      Wawa ck,

      Ndikutsimikiza kuti pali zidutswa zambiri zomwe zikusowa, koma chofunikira kwa ine chinali chakuti madotolo ndi manesi ena adapempha chithandizo ndipo adayesedwa ndi kampani ya Inshuwaransi. Tiyenera kuwonetsetsa kuti izi zisachitike.

      Zabwino zonse pankhondo yanu! Ndine m'modzi mwa ambiri 'osatetezedwa' mdziko muno - ndili wonenepa kwambiri ndipo sindingathe kukhala ndekha. (Ana anga amafunidwa ndi mfundo zawo).

      Doug

  5. 10

    Ndidalira madotolo momwe ndimadalira makampani a inshuwaransi.

    Kodi simungapemphe kuthekera kochita chinthu chomwe chingadzaze matumba anu ndi ndalama zambiri?

    Ichi ndichifukwa chake mutha kupempha woweruza wina kuti achite zisankho zomwe sizikutsutsidwa. Kotero munthu amene:
    A. Samatengeka ndi malingaliro am'banja.
    B. Samatengeka ndi tanthauzo lawo (amapita ku inshuwaransi ndi madotolo)

    Atha kupanga chisankho chomaliza.

    Sizangochitika mwangozi kuti madokotala ambiri ndi mamiliyoni ambiri mwa iwo eni.

    Ndiye kuchokera pamutu, munganene kuti mumathandizira chithandizo chamankhwala padziko lonse lapansi?

    • 11

      Ndinali ndi mwayi wodziwa madotolo angapo ndipo zinali zomvetsa chisoni kuwona momwe makampani a inshuwaransi adawakhudzira. Mnzanga wina adakakamizidwa kuti 'azikhala ndi nthawi yocheperako' ndi wodwala aliyense kuti apititse patsogolo 'zokolola' zake. Ndinamuwonanso akuwononga 1/3 ya malipiro ake pa inshuwaransi yolakwika (bizinesi ina yopindulitsa).

      Anayeneranso kujowina gulu la Doctor m'malo mongokhala ndi machitidwe ake chifukwa panalibe njira yodziwira zolemba za inshuwaransi. Ameneyo anali osweka mtima chifukwa anali Dotolo wosangalatsa ndipo sanayenerere kukonzedwa munjira yopangira zaumoyo.

      Ndikuganiza kuti mupeza kuti madokotala ambiri si mamiliyoneya ndipo koposa apo asiya chisamaliro cha odwala chifukwa cha zovuta zonse zomwe ayenera kuthana nazo. Ndizovuta.

      Re: Zithandizo Zachilengedwe Zonse

      Ndinakhala ku Canada zaka 6 ndipo ndimathandizadi chisamaliro chachilengedwe chonse (makamaka zomwe zidandipweteka pakuleredwa kwanga mosamala). Chifukwa chake ndichapafupi - ndikukhulupirira kuti mankhwala ndi nkhani yachitukuko, osati bizinesi… ngakhale ku US tapanga bizinesi YABWINO.

      Canada ili ndi zovuta zake, ndikuvomereza. Nkhani zowopsa zomwe timamva pano ndizochepa komanso zapakati, komabe.

      Ndikukhulupirira kuti pali mwayi waukulu wabizinesi kuchipatala - anthu sawopa kuyambitsa bizinesi yawo pomwe sayenera kuda nkhawa zaumoyo wamabanja awo. Anthu saopanso kusiya ntchito zoyipa, mwina, zomwe zimawongolera magwiridwe antchito.

      Ndikuganiza moona kuti ndikumaliza. Kupatula apo, ngati mutha kulipira CEO wa Inshuwaransi $ 28 miliyoni pachaka, pali mwayi wowongolera, sichoncho?

  6. 12

    Ayi. Mukawona kupereka kwanu 33% ZAMBIRI za ndalama zanu kubungwe la inshuwaransi… pitilizani. Koma momwe ziriri pano… Ndimalipira $ 250 / pamwezi pa inshuwaransi yathunthu (yabwino kwambiri). Ngakhale abwana anga amalipira zochulukirapo. Koma amenewo ndi gawo logwiritsa ntchito opanga.

    • 13

      Chodabwitsa ndichakuti timalipira kale izi, ck. Munthu amene alibe inshuwaransi akalandira chithandizo, mumamulipira kudzera mumisonkho komanso kuchuluka kwa mankhwala, ndi zina zotero. Tikulipira kale chithandizo chamankhwala chamayiko onse…

  7. 14

    ck -

    Ponena za ndemanga yanu kuti Nataline akadakhala ndi miyezi isanu ndi umodzi NDI kumuika - sizolondola. Popanda kumuika, adamupatsa miyezi isanu ndi umodzi panja. Kuika mafuta m'mafupa kudatha kuthetsa khansa ya m'magazi koma mtengo wake udali kuwonongeka kwa chiwindi komwe sikungakonzeke. Ngati adalandira kumuika, anali ndi chiyembekezo chokhala ndi moyo wathunthu. Popanda izi, adathedwa nzeru.

    Dongosololi lathyoledwa kwathunthu pomwe madotolo sangakhalenso madotolo. Ngati simukuwakhulupirira, mwina chifukwa choti adayenera kugwiritsa ntchito mankhwala oteteza komwe amakwaniritsa inshuwaransi, wodwalayo ndikuyenda pamzere pachiwopsezo cha zovuta za inshuwaransi.

    Kukhazikitsa dongosololi kudzatanthauza kuchepetsa mphotho zowonongera zosowa ndi zifukwa zoperekera milandu, kuchepetsa phindu la inshuwaransi ndikubwezeretsanso mankhwala kwa anthu omwe adalipira $ 100K pamaphunziro awo ngati adotolo. Muyeneradi kuwerenga mndandanda wa Dr. Kirschenbaum wonena za Madokotala, Ndalama ndi Mankhwala mwanjira ina. Yambani apa.

  8. 15

    Chilichonse chomwe ndimawerenga chikuwoneka kuti chikuwonetsa cholinga chokhazikitsira chiwindi chinali mwayi wa 65% wokhala ndi moyo miyezi isanu ndi umodzi.

    Tsopano monga gawo langa loyambirira lidanenera, ngati izi zikadapangitsa moyo wazaka 20 zina zotheka… zonse chifukwa cha izi. Koma ngati miyezi yake isanu ndi umodzi… sindidzadumpha chifukwa cha chisankhochi. Ndipo angaganize kuti woweruza wina ndi yankho lolondola.

    Ndipo ngakhale ali mavuto, sindikuganiza kuti kukonza ndi chisamaliro chaumoyo chaponseponse, zomwe zimangopititsa mtolo kuboma lathu ndipo amayamwa.

    Kukonzekera ndikuti, monga mudatchulira ku ... kuchepetsa kuwonongeka kwa zinthu zosayenera ndi malamulo ena. Koma sindingayike oyang'anira inshuwaransi yaumoyo monga a Hillary Clinton. Kunena zowona, khalani ndi nkhani zokwanira ndi komwe ndalama zanga zamisonkho zimagwiritsidwa ntchito… sindikusowa kulipira 'zaumoyo' monga ntchito zam'mphuno.

  9. 16

    CK -

    Pa nkhani ya Associated Press ku http://ap.google.com/article/ALeqM5hFp8DsNC_gJwb9q72kNfDiZCioSwD8TM2SAO1, madokotala ku UCLA akuti "... odwala omwe ali ngati a Nataline omwe amaikidwa ziwalo amatha kupulumuka miyezi isanu ndi umodzi pafupifupi 65%."

    Zomwe ndikumvetsetsa zikutanthauza kuti adzakhala ndi mwayi wokhala ndi mwayi wopeza 65% m'miyezi isanu ndi umodzi yoyambirira, osati monga mwawonera, kuti amwalira miyezi isanu ndi umodzi. Anali ndi matenda osachiritsika chifukwa anali ndi vuto la chiwindi chifukwa chothandizidwa ndi khansa ya m'magazi. Kumvetsetsa kwanga ndikuti ngati atakwanitsa miyezi 6, akadakhala ndi mwayi wopitilira zaka zingapo.

    Zikuwoneka moona mtima kuchokera pazolemba zanu kuti mukukhulupirira kuti chithandizo chamankhwala chomwe chingathandize ena chiyenera kupezeka kwa iwo omwe angakwanitse, ndikuti aliyense ali bwino atamwalira. Ndikugwirizana ndi malingaliro anu ambiri ndi malingaliro anu; Ndikuganiza kuti kuweruza ena ndi lingaliro labwino, makamaka ngati lifulumira, koma lingaliro lanu loti "atha kumulola kuti afe, amapitabe" amatero ngati okonda mzimu. Zimapereka chithunzi choti mumangoganizira za inu nokha osati wina aliyense.

  10. 17

    Rob,
    Ndikufuna kuti aliyense akhale ndi mwayi wopeza inshuwaransi yazaumoyo, komabe sindikuganiza kuti ndi malo aboma kuti aperekenso izi.

    Ndikadakonda kuwona boma locheperako (mwachitsanzo, kuchotsera IRS), osati zochulukirapo.

    Kodi mukuganiza kuti makolo athu oyamba adachita bwanji? Yankho ndikuti achepetseko madotolo (monga makhothi) osati kusunthira mtengowo kwa omwe amapereka msonkho. Boma lathu latsimikizira kuti silinachite bwino ndipo siliyenera kudaliranso ndi moyo wathu wamankhwala. Ndi iwo omwe akuwayang'anira, milandu ngati iyi ikhala yofala, osachuluka. Tangowonani ziwerengero zakulephera kwa mtima komanso opulumuka khansa omwe ali ndi khansa. Mankhwala achinsinsi ndi othandiza kwambiri.

    Koma monga momwe ziliri, ndiloleni ndinene kachiwiri .. ngati kudalirako kunali koti kukhoza kukhala ndi moyo wautali pambuyo pa kumuika… ndiye ndili nazo. Koma ndidawerenga zomwe mudanenazo m'njira yolakwika.

    Ndingakonde kuwona cholembedwa chabwino, zolemba zake zokha.

    Iyi si nkhani yophweka ndipo sayenera kukhala ndi malingaliro okhumudwitsa. Zowona zenizeni m'am.

    • 18

      Zowona ndizosavuta, Cigna sakufuna kuwononga matenda, Cigna Glendale yemweyo adachita izi ku Banja ili, adalimbana momwe angathere, kungopeza kuti Mabungwe a Goverment amalola anthuwa kuzunza ogula, ndipo palibe zachitika. Icho chaphimbidwa.

      Congressman waku Valencia, California Alemba

      Congressman adalemba: M'kalata ya Meyi 30th 1996 yopita ku Dept of Corporations. Kalata yomwe idaperekedwa kwa Jo Joshua Godfrey.

      Wokondedwa Commissioner Bishop,
      Ndikulemba m'malo mwa omwe ndimakhala nawo a Josephine Joshua Godfrey omwe akumana ndi zovuta zazikulu ndi chiphatso chololeza cha HMO ku California, CIGNA Health.

      Akazi a Godfrey amachepetsa CIGNA yalephera kuzindikira ndi kuchiza khansa yake yam'mapapo kuyambira Marichi 1993 mpaka Ogasiti 1994. Zikuwoneka kuti chaka chotsatira madotolo omwe si a Cigna adazindikira mosavuta chotupa cha Carcinoid m'mapapu ake akumanzere ndikuwuza Akazi a Godfrey chotupacho kuti ayenera kupezeka koyambirira kwa 1993. Ngakhale adakana mobwerezabwereza kuti zotupa zimapezeka ku CIGNA, chotupacho chidachotsedwa ku ST. Josephs Hospital ku Burbank California. Matenda atachitidwa ndi opareshoni akuti chotupacho "chidakula bwino… kukhwima kwathunthu.

      Akumuwunika ndi GIGNA Akazi a Godfrey adapempha mobwerezabwereza kuti atumizidwe kwa katswiri kukalandira chithandizo chamankhwala. Pazifukwa zina zosamvetsetseka GIGNA idakana kukaonana ndi dokotala kuti akalandire chithandizo choyenera cha mankhwala. CIGNA idakananso kutulutsa zolemba za amayi a Godfrey kuti dokotala wina athe kuwunikanso zaumoyo wawo. Pambuyo pofunsira zambiri pomwe mbirizo zidatulutsidwa. Komabe, Akazi a Godfrey amakhulupirira kuti kuteteza CIGNA ku nkhanza zikalatazo zidasinthidwa mwankhanza.

      Dziko la California lili ndiudindo woteteza ogula omwe adalembetsa ku HMOS. Boma likuyenera kuphunzitsa ndi kudziwitsa ogula za HMOS. Ndi opitilira 12 miliyoni aku HMOS ophunzitsa ndikuwadziwitsa zaubwino komanso mwayi wopeza chithandizo chamankhwala ndichinthu chofunikira kwambiri. Tsoka ilo, ngati Akazi a Godfreys akuwonetsa momwe ogwiritsira ntchito zosowa zamankhwala amathandizidwira ndi HMOS, tiyenera kuunikanso dongosolo loyang'anira. Congress yayamba kufufuza HMOS ndi mtundu wa mankhwala omwe amapereka. Odwala ambiri amakhulupirira kuti HMOS nthawi zonse imakana chisamaliro ndi chidziwitso kwa odwala kuti achepetse mtengo. Zomwe zimawoneka kuti "gag rule" zomwe zimaletsa madotolo kuti anene mankhwala omwe sanalandiridwe ndi HMO ndizofunikanso.
      Constituent wanga si yekhayo amene anali ndi mavuto polimbana ndi HMO.
      (1) Ruth Macinnes waku San Diego adamwalira pomwe asing'anga a HMO adalephera kupereka mayeso azachipatala kuti apeze ndi kuchiritsa matenda amtima ndikuyankha zoopsa za mtima; (2) Kodi Spense waku Los Angeles adzamenyera moyo wake chifukwa cha khansa yopanda Hodgkins lymphoma inali yolakwika -anazindikira kwa nthawi yoposa chaka chimodzi. Amandiuza kuti monga anthu awa pali ena zikwizikwi ozungulira dzikolo ndi nkhani zofananira.

      Ndikulemekeza kuti ofesi yanu ifufuze izi, ndikuwunika ngati HMOS ya Boma ikuyang'aniridwa moyenera ndipo ogula amapatsidwa chidziwitso chomwe angafunikire kuti athe kupeza chithandizo chamankhwala chabwino. Ndikukhulupirira kuti Akazi a Godfrey azunzidwa kwambiri ndi machitidwe omwe amayenera kuwasamalira. Ngati kuphwanya malamulo kukuwululidwa ndikupempha kuti achitepo kanthu motsutsana ndi omwe akuchitira nkhanza ogula. Kufufuza kokwanira kumathandizira kuti boma likwaniritse udindo wake kwa ogwiritsa ntchito oposa 12 miliyoni a HMO. Chonde yankhani kudera langa la Diretor, Armando E. Araloza koyambirira komwe mudalimbana nawo.
      Dipatimenti ya Corp Reply
      Los Angeles, CA Kuyankha »

      JO JOSHUA GODFREY AMAGAWANA NDI ANTHU A California ndi Mtundu uwu:
      NTHAWI YABWINO YOYENERA KUYANG'ANIRA KWA OKHULUPILIRA KALATA YA PA JULY 2ND, 1996
      RE: Sungani ALPHA
      Wokondedwa Congressman,
      Ndili ndi kalata yanu ya Meyi 30, 1996, yolandiridwa pa Juni 4, 1996, yokhudza anthu omwe atchulidwa pamwambapa ndi ntchito yawo yothandizira zaumoyo, Cigna Healthcare waku California.
      Dipatimenti Yama Corporate (? Department?) Imayang'anira Cigna Healthcare ndi mapulani ena othandizira zaumoyo pansi pa Knox-Keene Health Care Service Plan Act (Health and Safety Code 1340 et seq.) Ndi malamulo a Commissioner (CCR Gawo 1300.40 ndi seq .). Dipatimentiyi imalandira chilichonse pempho lothandizira (? RFA?) Timalandila mozama kwambiri. Ma RFAs olandilidwa ndi Dipatimentiyi amaunikidwanso osati potengera zomwe zawunikidwazo, koma ndi diso lakuthanso mavuto amachitidwe. Kuwunikiridwa kwa RFA ndichinthu chofunikira pakuwongolera konse kwa Dipatimentiyi.
      Dipatimentiyi yawunikanso kapena ikuwunika ma RFA onse omwe aperekedwa ndi banja la a Godfrey. Mlandu wa a Josephine Godfrey adawunikidwanso ndi department of Enforcing Division. Kuwunikaku kunaphatikizira, koma sikunali kokha, kudzera pakupenda zolemba zamankhwala zoyenera, kufunsa mafunso ndi omwe adalemba mapulani, komanso kukambirana kwakukulu ndi banja la a Godfrey. Chifukwa cha kuwunikaku, a Enforcing Division adatsimikiza kuti Cigna adayankha mokhutiritsa madandaulo a mayi Godfrey ndipo adapanga njira zothetsera mavutowa.
      Ponena za RFA ya Christopher Godfrey, Cigna adavomera kuti (Name of individualuaL Omitted) RN ipezeke kwa a Mr. ndi a a Godfrey kuti awathandize pakuthandizira chisamaliro chawo pakadali pano ndikuthana ndi mavuto aliwonse omwe angakumane nawo. Ma RFA onsewa tsopano atsekedwa. Komabe, zidziwitso zomwe zili mu ma RFA onsewa zimaphatikizidwa m'malamulo a Dipatimenti kuti awonetsetse kuti dongosolo laumoyo likutsatira Knox-Keene Act.
      Dipatimenti imagawana nkhawa yanu ndi zomwe amati? zigawo mu mgwirizano wazopereka. Dipatimentiyi posachedwapa idafunsira njira yochotsera gawo m'makontrakitala ake omwe amakakamiza wothandizirayo kuti awunikire bwino. Polankhulana posachedwa kwa onse omwe ali ndi layisensi, Dipatimentiyi idati:? Dotolo aliyense wogwira ntchito ndi ena onse azaumoyo ayenera kuyankhula moona mtima molondola pazinthu zomwe zingakhudze thanzi la wodwalayo komanso mtima wake wolimbikitsa ubale wachikhalidwe wodalirana. Chidaliro pakati pa odwala ndi akatswiri azaumoyo.?
      Pomaliza, ndikufuna kutsindikanso kudzipereka kwa Dipatimentiyi ku mamiliyoni aku California omwe adalembetsa nawo mapulani azaumoyo. Mukakhala ndi mafunso enanso, musazengereze kulumikizana ndi Wothandizira Wapadera (Dzina Lotsalira) Modzipereka,
      KEITH PAUL BISHOPI
      Commissioner wa Mabungwe

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    Ndidalemba nkhaniyi kwa opanga malamulo pomwe ndinali ndi zaka 14, ndipo ndikufuna kukufotokozerani.

    Ndili ndi zaka 14 ndipo ndimazunzidwa. Ndikulembera a Congress ndi Senate chifukwa muyenera kuthandiza omwe achitidwa chipongwe ndi zamankhwala. Ndimadwala, mutu udandipweteka ndipo amayi anga adanditengera kwa dokotala. Nthawi zambiri ndinkatuluka magazi m'mphuno komanso kudwala mutu. Ndikuganiza kuti izi zidayamba kumapeto kwa 1992 kapena koyambirira kwa 1993. Adati ndili bwino, ndipo ndikukumbukira kuti dokotala m'modzi anali wankhanza kwambiri kwa amayi anga ndi ine; sanafune ngakhale kulankhula za izi. Anati zonsezi zinali m'mutu mwanga, kuti ndili bwino. 1993 ndi 1994 sizinali zaka zabwino m'moyo wanga. Sindinkasangalala. Amayi anga anali kudwala nthawi zonse, nthawi zonse pabedi kutsokomola, kupita ku CIGNA kupeza mankhwala, nthawi zonse kutopa kwambiri. Amayi anga sanali amayi omwewo panonso; mutu wanga unkangoduka ndi kutha, ndipo ndinali nditatopa kuti ndisavutitse amayi anga popeza ndimatha kuwona kudwala kwawo. Nthawi zonse anali wokhumudwa, wolira nthawi zonse, komanso wokonda kuyenda komanso kutsokomola. Ndimamukalipira kuti atseke usiku ndipo amatisunga tonse, tsopano ndikumva kuwawa.

    Mu february 1994, ndinali wokhumudwa, mutu udandipweteka, ndipo ndinamwa mapiritsi kuchokera ku kabati yazamankhwala, sichinali nthawi yoyamba kuchita izi, koma amayi anga anali odwala sanazindikire. Nthawi iliyonse ndikatenga zochuluka ndipo tsiku lina amayi anga amabwera kudzandidzutsa ndipo sindinadzuke, ndinali nditatopa kwambiri. Mayi anga anena choncho, valani; tikupita ku CIGNA nthawi yomweyo. Ndinapita kumeneko ndipo madokotala a CIGNA adandiona. Ananditumiza kumalo azaumoyo wamaganizidwe ndipo onse awiriwa samadziwa zomwe ndachita. Amayi anga adandiyenda ndipo ndidawauza zomwe ndidachita. Pambuyo pake tsikulo adati azikhala bwanji ndikamwalira. Mayi anga analira chifukwa anali atatopa kwambiri ndipo anadziimba mlandu chifukwa sanali kuchita mokwanira. Ndinalonjeza mayi anga kuti sindidzachitanso izi. Amayi anga adayimbira CIGNA ndipo adakwiya ndimomwe adalephera kuwona kuti ndidayesera kudzipha, ndikuwafunsa kuti ndi adotolo otani. Amayi anga anakuwa kwambiri ndipo anavomera kuti andipatsa thupi lathunthu. Kuthupi koyambirira kwa Marichi, tidadandaula kwambiri pamutu panga adagwirizana kuti apange scans pamutu panga. Izi zidachitika pafupifupi miyezi iwiri ndi theka, sikani yonse pambuyo pake, ndipo pomaliza adotolo adati ndiyenera kutsuka sinus yanga, komwe kunali kumapeto kwa Meyi. Mayi anga adandifunsa ngati izi zinali zachangu, kodi zinafunika kuchitidwa nthawi yomweyo, adokotala adayankha kuti sizinali zachangu. Amayi anga adati tidzachita tchuthi cha chilimwe.

    Kuyambira Meyi mpaka Ogasiti, amayi anga adadwala kwambiri. Anapita kwa adokotala ndipo adamuyimitsa kwa milungu 6. Pakati pa Julayi, ndinalota kuti amayi anga ali ndi khansa yamapapo ndipo amwalira. Mayi anga anakwiya kwambiri nditawauza izi. Pofika kumayambiriro kwa Ogasiti, amayi anga adanditumiza ku Ireland kwa mwezi umodzi kuti ndikachezere agogo anga. Nditabwerera kuchokera ku Ireland kumapeto kwa Ogasiti, nyumba yathu idasokonekera, kwa milungu iwiri CIGNA idakana kuwapatsa amayi anga ma x-ray awo kuwauza kuti atayika. Anali atangopeza kumene ndipo zidawonetsa kuti ali ndi khansa yamapapo pafupifupi zaka ziwiri. Amayi anga anachitidwa opareshoni ndipo 2% yamapapu ake adachotsedwa. Anali ndi chotupa cha khansa. Mayi anga ali kuchipatala, dokotalayo adauza abambo anga opeza kuti nawonso sali bwino. Zinatha kuti CIGNA idakana kutulutsa zolemba za abambo anga opeza kwamasabata awiri. Atapita kwa dokotala wakunja, CIGNA anali atamuchiza matenda a mphumu; ali ndi vuto lapamwamba kwambiri la COPD ndipo anali ndi china chake m'mapapu akumanzere monga amayi anga anali nacho.

    Tinapita kukatenga zolemba za banja lathu lonse. Titawona zanga, ndikupita kwa dokotala wakunja, titapita kunja madotolo ndikudziwa tsopano kusiyana pakati pa dokotala weniweni ndi dokotala wa CIGNA, ndipo ndikhulupilira kuti tsiku lina ndidzakuwuzani zonse za izi . Ndinali ndi vuto pomwe fupa likuwonongedwa, pomwe fupa limakankhira mumsewu, ndipo adotolo adati diso langa likadachotsedwa. Ndinachitidwa opaleshoni ku Cedar-Sinai. 1995 sizabwino kwenikweni kuti 1993 popeza zikuwoneka kuti palibe chilungamo pazinthu zonse zomwe CIGNA idatichitira. Tikufuna kuti malamulowa asinthidwe kuti pasakhale wina aliyense amene adzavutikenso chonchi. CIGNA amazunza banja lathu mpaka lero. Amapangitsa mayi anga kulira kwa maola ambiri ndipo ndikhulupilira kuti nanunso mundidziwitsanso za izi. CIGNA ayeneranso kudziwa ngati makolo anga amwalira, ndipita kuti, ndipo chidzachitike ndi chiyani kwa achimwene ndi alongo anga? Ndine wa Chimereka, ndipo pamene ndakula, sindifuna kukhala pano. Ndikufuna kusamukira komwe anthu abwino komanso okoma mtima. Ndipita ku Ireland.

    Tsopano ndili ndi zaka 27. Komabe ndizomvetsa chisoni kuti banja lililonse liyenera kuvutika motere, ndipo achinyengo awa ndi achinyengo adathawa kulangidwa ku State of California.

    ZIKOMO CIGNA GLENDALE

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    Testimony Senate Imalamulira Committe Hearing State of California Lolemba Meyi 12, 1997 nthawi ya 2.03PM
    Ndabwera kudzagawana zomwe ndakumana nazo. Dipatimenti Yama Corporate ikulephera kugwira ntchito yake, ndipo zomwe zachitikira mabanja anga zikuwonetsa izi. Ndipo zokumana nazo zanga ndi Cigna Healthcare zidzawonetsa momwe ogula amazunzidwira, komanso momwe Dipatimenti Yama Corporate ikunyalanyaza.
    Zomwe ndidakumana nazo ndi Cigna zidayamba ndikuzunzidwa kwa makolo anga, ndipo nawonso adazunza aliyense m'banja lathu. Ndikadwala ndikufunikira dokotala amanditumiza kukakumana, ndipo ndinkachititsidwa manyazi chifukwa nthawi zambiri asing'anga omwe amanditumayo samayembekezera ine. Zotsatira zake Cigna adanditumizira kalata yonena kuti nditha kusankha dotolo wanga ndipo andilipira chithandizochi. Adachita izi kamodzi kenako sanalipire kuchipatala, ndipo mabungwe amisonkho adawopseza kuti ndikamangidwa ndikapanda kulipira. Cigna ananenanso kuti nditha kusankha dokotala yemwe ndimamukonda komwe ndimakhala Santa Barbara, ndipo izi sizinachitike. Cigna adandipatsa ofesi ku Santa Barbara koma nditadwala ndikufuna kupanga msonkhano ndipo ndidamuyimbira dotolo sanandiyankhe. Titalumikizana ndi ofesi ya madokotala adati sakugwiranso ntchito ndi Cigna, chifukwa Cigna sakanatumiza akafuna akatswiri.
    Chaka chatha ndimafunikira chisamaliro chapadera, ndipo panthawiyi dotolo adati ndikufuna Biopsy. Anayenera kuyima pakati ndikupeza chilolezo kuchokera ku CIGNA kuti apitilize. Dotolo adati njira ziwirizi ndizolumikizana ndipo amayembekezeredwa kuti azigwiritsa ntchito MEDICINE motere. Pambuyo pa njirayi nditadandaula ku Dipatimenti Yoyang'anira za Cigna za izi Cigna adatsutsa zonenedwazo ndikuyankha kuti dotoloyo walakwitsa. Kuyambira nthawi imeneyo adotolo adabwera kwa Wopanga Malamulo ku Santa Barbara adati adachita Biopsy popanda chilolezo, ndipo nkhani yanga inali yolondola. Dokotala adati ndimafunikira kutsatira masiku aliwonse a 90 popeza ndimadwala khansa. Cigna adati ngati ndikufunika chisamaliro chapaderachi ndimayenera kupita kwa dokotala woyang'anira wamkulu kuti nditsimikizire kuti ndikufunikira, ndipo iwonso andipatsa dokotala woyamba ku Santa Maria, ngakhale m'chigawo chomwecho, komanso kuti ola limodzi kuchokera komwe ndimakhala.
    Ndine wophunzira ndimapita ku UC Santa Barbara, ndipo ndilibe zoyendera. Si njira yokhayo., Ndipo a Dipatimenti Yamaofesi m'malo mondithandizira, anali ndi munthu ku Cigna yemwe anali ndi udindo wondizunza komanso kulepheretsa chithandizo changa kuti andiyimbirenso

  13. 21

    Nditangokhala ndi United kwazaka zambiri kampani yanga yasintha kupita ku CIGNA.Ine posachedwapa ndinali ndi MRI kumbuyo kwanga ndipo adauzidwa ndi a DR.s SEcretary CIGNA ndiyabwino kwambiri kuvomereza chilichonse. Ndidangouzidwanso ngakhale angavomereze njira, nthawi zina amatembenuka ndikukana kuti sizinaloledwe kuzinthu zawo, ndiye kuti simukhala ndi bilu. kuyitanidwa kuchokera ku CIGNA tonite kuti ndione ngati ndingakonde kutchula "NURSE WAWO" zamtsogolo zamapapu, mtima, msana, kapena mafupa mtsogolo m'malo mopita ku PCP yanga !! Ndinawauza kuti sindikhala omasuka kuti "ndiziwoneka" pafoni ndikuthokozani. Amakhumudwa kwambiri ndikumva kuti sindinadumphe pamalopo.

    Ndili ndi mantha kwambiri ndimankhwala aliwonse amtsogolo omwe ndikufunika kuthana nawo makamaka kuti ndili ndi zaka 7yr, ndipo CIGNA imawoneka ngati kampani yosasamala nditawerenga ndemanga.Ndingangopemphera kuti tonse tikhale athanzi, chifukwa CIGNA ili kunja kwa khobiri osati wodwala !!!! Izi zidamveketsedwa kwa ine mu sabata limodzi lokha !!!!!!!!!!!

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    ndimagwirira ntchito ndege zikuluzikulu ndi cigna monga ma ins. ndidathyola nsana wanga pantchito, pantchito, kutseguka. woyang'anira hanger uyu akundiwuza kuti izi "SIZOYENDA PAKUVULALA KWA JOB" !!
    ndataya ins "kulemala kwanthawi yayitali" kudzera pa cigna. chabwino, i — cigna inanditumizira kwa hule la mankhwala opatsirana lomwe linkauza ndudu zomwe amafuna kumva. Chifukwa chake, ndikugona chagada popanda thandizo komanso kumva kuwawa kopanda ndalama. Ndani ali ndi yankho ndipo ngati wina akufuna foni kuti ayimbe, chifukwa ine anthu odutsa ndalama ndipo ndiyenera kukhala ndi nambala ya manambala kuti ndiyimbire, zonse zomwe sizinathandize koma anyamata ali ndi manambala amafoni !!
    potseka, kumpsompsona bulu wanga kwa iwo omwe amagwiritsidwa ntchito, kwa iwo omwe alibe, ndikumva chisoni chifukwa cha ululu wanu komanso kutayika kwa moyo

  15. 23

    Amayi anga amwalira zaka 11 ndipo Cigna ndiye inshuwaransi yomwe anali nayo ali mchipatala cha Flu. Patapita kanthawi kochepa adayamba kudwala ali mchipatala koma m'malo mopeza bwino tidachezeredwa ndi mayi wina yemwe amagwira kuchipatala ndipo adatiuza mayi anga ndi ine kuti anga apite kunyumba chifukwa Cigna sangakhale akulipira kukhalanso kwake. Amayi anga anali ndi zaka 55ye zokha pomwe Cigna adamutulutsa mchipatala. Sitinadziwe koma Cigna yemwe amayenera kudziwa chifukwa cha zolemba zamankhwala amayenera kutumizidwa kwa iwo kuti alandire ndalama zilizonse kuchipatala zomwe amayi anga anali nazo m'matumbo mwake ndichifukwa chake amatuluka magazi m'matumbo ndipo samatha ayime payekha pomwe adauzidwa kuti Cigna akuti salipiranso chithandizo. Mayi anga amabwerera mkati mwa sabata ija kupita kwa a ER akudwala kwambiri kotero kuti samatha kutenga magazi ake chifukwa amwalira nthawi yomweyo kotero adayikidwa ku ICU ndipo ndipamene tidazindikira kuti anali ndi matumbo omwe anamata m'matumbo mwake adzafunika kuchitidwa opareshoni koma popeza sizinachitike posachedwa adatsegulidwa kuti ali ndi kachilombo pafupifupi matumbo ake onse kuyambira m'mimba atangokhala pamenepo chifukwa amayi anga samadziwa kuti ali ndi izi koma Cigna adatero atamponya kunja kwa chipatala. Kenako adapatsidwa thandizo la moyo ndipo pasanathe masiku 7 patadutsa masiku 18 ndisanakwanitse zaka 21 ndinayenera kusaina kuti mayi anga achotsedwe thandizo la moyo chifukwa kunalibe chiyembekezo chifukwa chofulumira kwa matendawa pomwe anali atuluka mchipatala. Itchuleni zomwe mumakonda koma ndikupha pomwe ndalama kapena inshuwaransi yolondola ikadapulumutsa amayi anga koma popeza anali ndi CIGNA HMO adaganiza kuti sanayenera kulipira. Komabe 11years pambuyo pake ndikudabwabe kuti ndi angati ena omwe anafera m'manja.

  16. 24

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