"When you add on top of that the impact of testing and treatment for COVID and on top of that the additional actions we took to reduce barriers and reduce cost-sharing … that puts you altogether a little bit above normal," said Eric Palmer, chief financial officer for Cigna, on an investor call. Cigna reported during its second-quarter earnings call that June would be much closer to normal utilization levels. In the second quarter, Cigna's healthcare utilization rate declined between 30 to 35% in April.