I have had several problems with Cigna and would advise anyone who has the choice to stay away. My employer selected this rip-off company because it saves them money, but the high-deductibles, lack of customer service and immoral business practices are going to cost them in the end.
Cigna uses several tactics to avoid paying claims: saying claims are out of network when they really are in network, miscalculating accumulating deductibles and out of pocket maximums, sending back claims several times for missing information (even when they really have it).
I suggest you file a complaint with your state insurance dept. or go to the national Labor Department if you have insurance through your employer.
Product or Service Mentioned: Cigna Health Insurance.