We have iCgna, it was that or a hmo.
We had it for a whle and since then I have gotten cancer and I have to say they have really been good and have covered everything so far.
I only had one issue with them so far. That was they were not going to approve a biopsy and said it was out of network. They agreed that I had no choice in where the surgeon sent it so they processed it as in network and it didnt cost me anything, good as they are like over $3k each.
They also challenged one of my hospitalizations that was not related to the cancer. they said it should have been a day procedure but I was in the hosp. for 3 days, so the surgeon had to challenge it while I was there.
Some of the issues I have, and this might be depending upon what type of policy you have, what benefits you get etc.
They sent me a brochure about "end of life care and options". Hmm, I am not going anywhere. Then they kept trying to push a nurse case manager onto me. I told them no thanks, dont need one and I can manage my own care quite fine. Then they even had one of their nurses call me in the hospital. My son talked to them and I told them to tell them I am fine etc.
They also seem to push the mail order pharmacy stuff. They either send you letters or call you. I dont know how may times they do that. I guess they cant figure out that no means no.
Also if you get some type of injury or accident our policy has that another company will send you a letter asking the details. I try to give as few as possible. I know they want to know if homeowners, no fault etc. will cover it. Somehow my 3 ds always manage to break some bone doing something etc.
Our policy also has that they will send a letter to you and your dr if you are not filling your scripts properly. I guess they see our ds21 is not so diligent as he should be in taking his asthma meds. Its like they big brother you, but its for your good I guess.
Our friend also has cigna and her dd just had a heart transplant and 2 brain tumors out and they have no problems with them. I think all their stuff is covered too.
Best of luck deciding.