CIGNA, the Wal-Mart of insurance carriers, has always been lousy. Lately, however, they have reached a new low by systematically denying almost all claims. If you are willing to put up a fight and have adequate documentation CIGNA will usually fold, but forcing the employee to battle over every claim is BS. I'm guessing that some people just won't fight them and either take a reduced payout or pay the claim out of pocket. This is definitely a new nationwide cost-cutting strategy based on conversations I've had with FedEx employees all over the country. Deny the claim, put the onus on the employee to somehow justify it, and then offer a limited benefit or a referral to some doctor who graduated from the University of Tijuana Medical School.I've never been a big fan of the insurance industry, but CIGNA makes the rest of them look good by comparison.....not exactly a compliment.