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Press release:

CIGNA Statement Regarding U.S. Supreme Court's Unanimous Decision Upholding ERISA Preemption of State Laws

Issued by: Cigna

Date: June 22, 2004

PHILADELPHIA, June 21, 2004 /PRNewswire-FirstCall/ -- We are pleased with the Court's decision. The Employee Retirement Income Security Act of 1974 (ERISA), which was at the heart of this case, has for many years helped to ensure that participants in health benefit plans have numerous protections, including access to quick resolution of any coverage disputes through internal and external appeals processes.  By providing consistent standards for the administration of health plans, ERISA also has helped employers provide health care benefits for their employees at a reasonable cost.
    
CIGNA HealthCare has had an effective appeals process in place for several years to address consumer concerns regarding coverage interpretations.  We view this process -- which, when necessary, involves the use of independent external reviewers whose decisions are binding on CIGNA HealthCare -- as a fair, efficient and equitable mechanism for consumers to resolve coverage issues.  Today's decision supports this approach.

CIGNA Corporation (NYSE: CI), headquartered in Philadelphia, and its subsidiaries constitute one of the largest publicly owned providers of health care, disability, life and accident insurance benefits in the United States and selected markets around the world.

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