Executives did not talk about agents, brokers or benefits consultants in the deal announcement, a deal presentation slidedeck or during a conference call about the deal with securities analysts, but Anthem included a copy of a sales call script aimed at employers and brokers in the flurry of SEC filings.

"Today's announcement does not alter our day-to-day operations or our relationship with our employer or broker partners in any way," Anthem says in the memo. The company says something similar in a letter to employers and brokers filed with the SEC.

In a set of talking points for sales, Anthem says it believes brokers would benefit would benefit from the increased efficiency, scale and reach of the combined company.

Anthem and Cigna have filed a copy of a Cigna letter to Cigna brokers emphasizing that coverage terms, sales contacts, and procedures will stay the same. "Business within the two companies will be conducted as usual because the companies remain separate and independent until closing," Cigna says.

During the analyst call, Anthem executives made comments implying that integrating the two companies could be challenging for employees.

The companies have predicted that they could achieve $2 billion in "synergies," or cost savings and revenue increases, by combining their operations.

Wayne DeVeydt, Anthem's chief financial officer (CFO), said during the analyst call that Wall Street investors could have confidence in that projection because about $1.4 billion of the total would come in the form of savings on sales, general and administrative (SG&A) costs.

A big cut in SG&A costs could mean a big cut in payroll costs.

The companies are also facing questions about antitrust issues.

In the past, antitrust regulators have blocked some big corporate deals and, in other cases, forced the participating companies to divest themselves of key operations, to keep the combined company from becoming too dominant.