We have Cigna. If you have a PPO plan you should not have any issues, if you have a HSA/Coinsurance plan you will most likely have in network / out of net work issues. I currently have a ppo plan and haven't had any issues until today. I had elbow surgery scheduled for next Wednesday, well Drs office called today and said insurance denied it because of scheduled hospital. Had to reschedule it to the 23rd at a different place. We are going to a 90/70 HSA plan January 1 and I ain't happy about it. Alot of Drs around Hsv are not in network for Cigna HSA that are with Cigna PPO. Just something for you to look into.