I files a pre-insurance estimate for dental work from my dental plan and my wife's plan, where I am also covered. Cigna Insurance stated, in their pre-insurance estimate that they would cover their portion. I had the dental work done and now Cigna states they will not cover their portion since my insurance is the primary insurer, even though I am covered under a separate policy through my wife's plan and the premuims are paid each month. Cigna has always paid in the past years and now wants to change their policy even though they obligated themselves through a pre-insurance estimate. Cigna SUCKS as an insurance company and I would advise anyone looking to avoid this company. No wonder the government wants to change health insurance with companies like Cigna. They will take your premium, but not cover you when they say they will.