Thank you all for these posts. I am currently in my 90day pre-op requirement phase with CIGNA. I was a little nervouse until I read your posts. I actually have an AWESOME team of individuals which includes a patient advocate who speaks to me regularly to confirm that I am doign exactly what the insurance company requires. A part of my program is to have someone else have to keep track of what the insurance company wants and to submit as soon as they have everything. As much as I appreciate my patient advocate, she is not a patient. Hearing from those of you who have been through this has given me a jolt of encouragement. Thank you again. Hoping for Surgery Mid Feb. My 90days will be up 1/26/14.....staying prayed up!