D.N.
Peg is right. I have read many times about something like this happening and the State Insurance Commision or whatever it is called is the next place to go. Send all copies of your payments, cashed checks, even copies of your bank statements (account number blacked out) with your letter showing that you did in fact pay. The problem we have as an advanced society is that computers are not always right. Everything is electronic now. I am not saying Cobra or Cigna are in the right but sometimes there is an electronic miss big time. I had COBRA years ago and oh my gosh so expensive. I had one month that I was told I did not send in my payment. I had the company that was making it for me send in all copies of the check and it got fixed. Send certified letters if you do correspond by mail so they cannot deny receipt. Get names of people in charge if you can.