Cigna the worst health insurance company I've ever seen in my entire life stay away from them completely they had the worst customer service put you on hold for 25 minutes hang up on you and then you have to dial again and be on hold for another 25 minutes can't get a disability claim right even though you pre-plan for 3 weeks prior to your operation the operation has been over 4 weeks and is still under review you cannot get your salary disability on time from them they are totally ridiculous and most horrible company I've ever seen in my entire life stay clear of them Cigna is the worst insurance company ever