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.