My family had Cigna coverage for about 4 years. As long as you don't use it you never realize it doesn't work. We just stupidity let the company take bi-weekly payments out of husbands checks. The time I really need to use it I was denied. Fought with them for a year. Had to hire an insurance letter writer/advisor. She was a former insurance employee who claimed she needed to redeem herself. She put together a 15 page letter with probably another 30 pages of old doctor records and told me to be patient. She was correct, they finally paid. Interesting enough my son had a estimate for his wisdom teeth removal. The doctor's office showed me what I would pay and what Cigna would pay. My portion was around $500.00. This was with a policy that a portion was supposedly paid by the company and we paid approx $400 a month. THEN...we were laid off, and I signed kids up on a low-income state policy that cost only $15.00 a month per kid. Wisdom teeth were removed by same doctor, same total cost, but I ONLY paid $40.00. I still had to fight with the insurance company to get approval for out of network doctor (closest network doctor was 500 miles away). I had to insist that my kid was entitled to treatment for pain since insurance company wanted to take so long to approve. This insurance is Blue Cross.