I waited thinking someone would have raised a stink by now but no one is mentioning the pro's/cons of the changes. Those I talked to at the svs ctr who've had it before seem split, some ok with it, some saying we are getting bent over, never having Cigna myself I don't know. I've checked, the dr's my family goes to accepts it but probably won't be the case with everyone. Co-pays/deductibles will go toward the yearly out of pocket which is a plus. But only having one plan for everyone, only having 2 dental/vision plans........ you have to wonder what other changes we are in for, guess we will soon find out.