Speaking from personal experience Cigna's line employees will also lie directly to your face on a recorded phone call while you're taking notes because their po

Speaking from personal experience Cigna's line employees will also lie directly to your face on a recorded phone call while you're taking notes because their policies are geared toward following the letter of the law vis a vis retention while ensuring that their arbitration process effectively blocks you from suing them effectively unless you sue them before trying to work with them. We've been quoted 6 weeks to have a manager listen to a phone call, which is the exact period of time that their call recordings are retained. They're the worst health plan I've ever had the displeasure of using. They will also from time to time edit your explanation of benefits, which is against the law. Don't trust them and keep all the paper copies of everything they send you.