Cigna will charge you for next year full fee without your authorisation or permission, base on that during the initial process they inform you it will apply. Cigna will send you email that are going to charge you and if you ignore it or you simply do not see it, Cigna will charge full fee for the next year, does not matter if you need it or not.
What Cigna do not inform you, is that, you can cancel any policy early and they must return your money for cancelled period. I lost with Cigna a lot US dollar for this knowledge.
Review about: Cigna Health Insurance.
Monetary Loss: $3000.