Read the policy and see if it covers what you & your family need/use most often. Also, call your PCP and other specialist that you & your family use e.g.(cardiologist, chiropractor, OB/GYN etc.) to see if they're accepting Cigna. Not all do in my area!
Often a doctor's office will tell you how easy/difficult an insurance company is to deal with in terms of getting approvals for procedures etc. & payments. My PCP and other specialist told me that certain insurance co's are difficult to deal with and not worth it for the patients...this could be the deal breaker.
