Reply To: Denied/Delayed ivIG

If you signed a waiver you can claim you were pressured into it by CIGNA as the only way you could get consideration for treatment, ignorance of your rights under Ill law, and unfair treatment because you were not properly advised of your options. In short, CIGNA bullied you to protect their profits.

If requesting an external review, tell them CIGNA forced you to have one through them and pressured you to sign some kind of waiver.