Any retired or still active Postal Workers out there, I need some help. Open Season is starting November 8th. I am thinking of changing to the APWU High Option insurance plan for the coming year. I see that it is handled by CIGNA and am curious as to how the claims are handled. Do you have a lot of problems with them trying not to pay what is owed, or do they just say you are not covered, or (hopefully) you have had no problems with them at all. I have had BC/BS for 30+ years, but the premiums are skyrocketing. I can save $161 a month if I switch to APWU, but do not want to make a mistake. BC has been wonderful and I have never been denied any coverage. I was in the hospital for 21 days in ICU and step down recently, and between Medicare and BC I paid $0. Please let me know, people, if APWU is that good or not. I thank you all in advance.