Does anyone know the Insurance Laws in Illinois, when a self-insured company files for Chapter 7? My previous employer was medically self-insured, (unknown to the employees). The employees paid premuims and Cigna only processed the claims for my previous employer. Now after this company filed, I have doctors looking at me for payment. These claims in question happened when I was "Covered". Now Cigna is saying they have no money (from the employer) to pay my claims. WHAT IS THE PURPOSE OF INSURANCE??