I have had full cover for my dental insurance for many years now. Every year we are told they don't cover this or that. I did not buy insurance just for emergencies, I bought it to cover my dental plan. Cigna Healthcare is not worth the monthly. Your government should be ashamed for taking back hander's for this business to allow them to refuse the insured and get bonuses for refusals. The more they refuse the more bonuses they get. I am starting a smear campaign here in the Uk just for them.