Linda, that is CRAP about the dtrs in NJ, maybe see if you can find one in NYC, you are so close and there are soooo many good, experienced dtrs in the city who take cigna and you won't have to pay upfront. good luck.
LINDA~~ WELCOME TO THE AMOS SITE~~ ~~BEST WISHES ON YOUR WLS JOURNEY~~ May the world hug you today with its warmth, and love.....Pray it whispers a joyful tune in your heart.....And may the wind carry a voice that tells you there is a friend sitting in another corner of the world wishing you well!~~