My husband's company has given us the option of choosing between two companies for our coverage, and this past year we switched to Cigna. Almost every claim is rejected for some reason or another. My daughter had physical therapy after surgery for 4 months, and due to a paperwork glitch on Cobra's part, she was dropped and reinstated (all happened over a matter of days). After over 6 months of trying to get Cigna to cover December's visits, we received a letter that we have let the time run out for eligibility, even though we've been providing them with info since January. In the meantime, there is a collection agency after my 23-year-old, so I will just pay the damn bill.