Potentially useful context: If you’re not covered by a small employer, your claims are typically being self-insured by your employer. Your employer uses Cigna

Potentially useful context: If you’re not covered by a small employer, your claims are typically being self-insured by your employer. Your employer uses Cigna or BCBS for administrative functions, but they set the tone for the amount they’re willing to pay. That’s why you’ll see differences in coverage even though you ostensibly have the same insurance provider in the same state.