HI GEORGETTE JUST A QUICK LINE ABOUT CIGNA, YOU MUST GET IN TOUCH WITH THE NJ DEPT OF BENEFITS AND PENSIONS IN TRENTON, NJ. C/O COMMISSIONER OF BENEFITS AND PENSIONS. WRITE AN APPEAL LETTER TO THE COMMISSIONER, BEFORE YOU USE UP THAT LAST APPEAL TO CIGNA. MAKE SURE TO GET YOURSELF ON A MANAGED, DOCUMENTED WL PROGRAM THROUGH YOUR PCP, WITH AT LEAST 2 NUTRITION VISITS, FOR 6 MONTHS ASAP. GOOD LUCK AND KEEP FOCUSED!!!!!!!PEACE