Fuck Cigna. My employer switched to them a couple of years back. Every claim I've made I've had to follow up on because they suck so hard. I had a surgery and they tried to charge me more than my out of pocket max. I was submitting some out of network bills and got months I didn't receive the statement of benefits. When I followed up, I was told they didn't process them because out of network only pays out 60%. When I told them to go back and fix it, I ended up getting back over $700. Basic physicals have been declined and requires a phone call to correct. They are worthless. I've got coworkers with bills sent to collections because they don't process them correctly. Just awful.