Yeah that's basically a true story, also before the ACA there were plans that would deny your insurance claiming that you lied during the underwriting process i

Yeah that's basically a true story, also before the ACA there were plans that would deny your insurance claiming that you lied during the underwriting process if you used the insurance. It was big news at the time and lots of state action against those plans. I think Cigna needs to be sued class action style for denials. I think it would probably work in the case where Cigna is operating as the claims administrator which is where your company self-insures (so they pay the claims) but Cigna just deals with the paperwork. I would not be surprised if Cigna advertises its services to large companies as "cost effective" etc...