HAS ANYONE HAD ANY EXPERIENCE WITH CIGNA INSURANCE. I AM DOING MY 6 MONTHS,BUT DON'T START THIS INSURANCE UNTIL JANUARY. I DON'T WANT TO WAIST MY TIME IF THEY WON'T COVER IT. IT SAYS IN OUR POLICY THAT IT IS COVERED BASED ON MEDICAL NECESSITY. MY BMI IS 42. I HAVE ACID REFLUX, BACK PAIN, STRESS INCONTINENCE, AND DEPRESSION. I WANT TO HAVE THE LAP BAND. MY PCP STARTED ME ON WEIGHT WATCHERS. IS THIS A PHYSICIAN DIRECTED DIET? ANY HELP OR ADVISE WOULD BE GREAT!!!!!!!