Although the services for Cigna health plan are complex for some of its members there are such as member’s services that are available to those who are available to aid in giving information for finding in and out of network physicians for patients. “Gale Cengage Learning (2013) reports health insurance policies are contracts that require the insurer to pay benefits per the terms of the policy, in return for the payment of premiums and the meeting of other conditions or criteria spelled out in the plan. Payment of benefits (upon the occurrence of a qualifying event such as illness, injury, or office visit) may be reduced by a “deductible” paid by the insured, by a “co-insurance” payment shared with the insured, or by the reaching of a “maximum
