Thanks for sharing this.
I have Cigna also. Our policy is through FedEx, where my husband works.
What I think happens is that Cigna goes to a big company like that with different choices. The company then buys either a "Lexus", a "Toyota", or a "Yugo." Presumably the more they spend the better your coverage.
So you and I may both have Cigna but you may have the Lexus while I got a Yugo.
And even within that, the employees have to select the plan they want every year from several they offer. Cost and coverage vary on those too.
Not an expert but that's my guess anyhow.