In 2011 my employer used GWC aka Cigna, the rates were reasonable. But the Medical Insurance Company lied and did not pay for any medical services from my PCP office visits. I would call GWC prior to visiting my doctor to see if they were in-network and got a yes. Visited the doctor, then they would not pay their share, I got bills from the doctors and found out they just refused. Then found out they said it was a pre-existing/credible coverage issue. I then fax'd them the proper forms to GWC-Cigna and they kept saying they lost the forms for four months. Now a year later they are telling me it is a "Pre-ex and coverage you had prior had no impact on this determination. It's simply an excluded benefit".
Guess they got the bonus for not doing their job.
Moral is always get a hard copy of any dealing with medical insurance.
TRUST NO ONE IN THE MEDICAL INSURANCE BUSINESS!