I had Cigna for awhile through work but it’s been awhile back. I know exactly how they work and how much they were actually paying out at the time. Have you had any non-emergency “Procedures” needing to be done though them yet? Did you have to get an “adjuster” to approve it first?
I work for a large company and like virtually all large companies they self-insure and contract to companies like Cigna to administer. So my company sets the policies on whether pre-approval is needed and I can honestly say that I have never had any issues with any claims I've ever had to make. And since my company self-insures then changes in premiums are controlled by how much they expect to pay out for a give year. That's why in my 13 years with them I've never had a premium increase greater than four or five percent for a given year, and why there have been several times when my premium went down from the year prior.