Cinga's explanation of benifits is cryptic at best. If you ask them for help, they will not tell you how to make sure you are covered. You need to read all the fine print before you go to see a doctor or you will end up with hefty medical bills. They rarely pay a claim the first time it is submitted and you may have to hassle them for months to get your money. I have cigna through my job and I try not to go to the doctor unless I am debilidatingly ill, because it is just not worth the money or the hassle that Cigna will put you through to seek medical attention.
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