Because of where my husband works, we have CIGNA.
We have had no "major" issues with them. They pay, we have low co-pays and we have low payments as well. That is probably due to the company we have it through.
We opted for the "choose your own doctor with no referrals" option having had the "need referrals" plan. We ran into some issues with the co-pays, the company not paying because either the doctor was not referred or he is "out of network".
It seems that because we are not in a "major" city, the "out of network" issue comes up a lot. We have had to go to Columbus to use "network" doctors. And it appears to be increasing. We do have a good assortment of doctors here, but CIGNA seems not to be granting doctors in this area the ability to accept CIGNA. We need to go to either Cleveland or Columbus.
Have to say their Customer Service isn't bad either. We have called them on a couple of questions regarding bills and payments, and the promptness of answering the phones, being on top of our account and the processes involved have been very satisfactory.
Overall, it is not a bad plan. They do provide some excellent doctors, even though we do need to travel to Columbus for a couple of specialists. So, over all the care providers are good. Our experiences have also been good as well, so I think in the big picture, this is not a bad company to deal with.