My heart is breaking so much right now as I sit here writing this review. The tears are uncontrollably streaming down my face. My hands and fingers are trembling that it's difficult for me to even type. My stomach is twisted in terrible knots probably since I haven't been able to eat in almost 3 days. Just a few days ago, my 26 year old grand-daughter finally lost her battle with leukemia. She had been struggling with this for several months, and Cigna penny-pinched EVERY STEP OF THE WAY trying to find ways to weasel out of covering her potentially lifesaving procedures which she needed. Every single day of my grand-daughter's struggle with leukemia was actually an easy victory compared to the even bigger nightmare our entire family had to endure fighting with Cigna to get them to do the right thing. It is true that my grand-daughter did have some underlying medical complications, so I will freely admit that. However, it is also my firm opinion that her quality of life - and maybe her life as a whole quite probably could have been prolonged and enhanced if Cigna hadn't delayed providing coverage on numerous occasions. My grand-daughter's battle with leukemia began towards the end of last year, 2018 and her condition got progressively worse over time throughout this year: 2019. Every step of the way, Cigna put my entire family through a hellish nightmare by denying, denying, and denying over and over again practically every single procedure which she had needed. Every single time that she needed something additional to prolong her life, Cigna found a way to try to weasel out of covering it. Only after our family finally got lawyers involved, did Cigna start to eventually back down a little bit. I could go on and on about all of the details surrounding my grand-daughter's devastating leukemia diagnosis over the past several months, but I won't because it's too depressing. And it would probably be too depressing for viewers to read here. And besides that really isn't my reason for publishing such a long, candidly expressed review of Cigna as an insurer. It's not with bitterness and scorn, nearly as much as it is with personal conviction and purpose that I publish this review simply to warn other consumers out there about the horrific nightmarish experience that my family - but mostly my poor grand-daughter had to endure. Whether you as an informed consumer do or do not choose to use the services offered by Cigna, is really a personal decision that I cannot (and won't) be able to make for you. However, our society has changed so much in just the past couple of decades. We really are at an inflection point in which we as American consumers now more than ever, are demanding transparency about the terms and conditions of various products and services (i.e. insurance policies) which we purchase. And that really is my goal in publishing this review: to provide anyone reading this right now the opportunity to be armed with certain information which they might need to make an informed decision about their own health and what type of insurance and/or what kind of carrier they will choose to use. If my story here does end up serving as a cautionary tale in helping a prospective insured make a decision to opt for a different insurer besides Cigna, then so be it. And if the opposite result occurs, then that is fine too. Yet in honor and beloved memory of my dearly departed grand-daughter, I personally feel that is at least necessary for me as her surviving grand-mother - now as her voice, since she no longer has one, to at least share her 'story' with the world. Thank you for reading, make your own informed decisions about what suits your best health insurance needs, and above all else stay blessed.