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CIGNA IS A NIGHTMARE!
Cigna either doesn't pay claims or pays them inadequately. They make you jump through a million hoops before they finally do what they are supposed to do. And if you send in forms proving that your kids are students so that coverage won't be dropped, be sure to send it certified mail. They'll claim they never got it over and over until you can prove it. Their website lists providers and even if you get a referral and use one of their providers, they'll send you a denial because you used "an out-of-network physician".