My wife and I have no problem with Cigna, they have taken care of us all these years, yes the premuims we pay and the deductables are a hard pill to swollow.But You do have a choice to opt out. I would maybe,"just maybe" shop around and purchase some on your own. And again with that being said, let's get to trucking in our air conditioned Cascadias. They are cold huh?[/ you are likely to not have much problem out of Cigna until you have a major event come up. I never had one problem with them at all for many many years until now. Enjoy that cascadia.