Joc,
I really don't like using email for this kind of thing.  I do have Cigna though, in the state of Florida.  The policies may be a bit different depending on the state and what your particular state insurance commission requires or disallows.  I choose the policy for our company every year and look at a bunch of them.  I might be able to help, but please  ask here.  If you have heard from someone else, please disregard this.