I have cigna and its waiting on approval my bmi is 35.4 but my problem has not been with cigna yet its with the Lap Band office they are awful I really don't think I will be approved even tho I have sleep apnea and hypothridisim its worse than anything I have ever been through and I haven't even had to deal with cigna,becarefull who you chose to go through to do it ,it can be the difference between yes and no