Cigna Denial

I have Cigna Health Insurance and I wanted to know if there was anyone that had been denied by tehm but had everything they wanted?  I have checked off everything they have asked for and made sure my I's are dotted and T's crossed but I am still a bit nervous.  I have heared the horror stories but usually it is because that person didnt do all that was required, their BMI was either border line or they were even at the BMI to have the surgery or it was before 2005 and since then they have relaxed their standards.  So I guess what I am wondering is if anyone has been denied by them after all things were done and if so why?

It took forever, but I was approved by Cigna the first time around. Make sure you follow up with them constantly, because they will give you the run around (oh, the documents were sent to the wrong department, oh, you'll hear an answer in 30 days, oh we don't have your documents - you'll have to wait another month...) and so on.