FAQ - Keep Your Healthcare Access

FAQ

What is happening between Tenet and Cigna?

Tenet Healthcare’s national contract with Cigna will expire December 31, 2025 unless Tenet and Cigna can agree on fair terms for renewing our agreement.   

While we are negotiating in good faith to preserve in-network access for Cigna members, Cigna has proposed contract terms that could put patient care and access at risk.

Why is this happening?

Contracts between insurance companies like Cigna and healthcare providers like Tenet must be renewed regularly.  

Disappointingly, even at this late date, it is still unclear whether such an agreement will be reached and whether Tenet providers will continue to be participating providers in Cigna’s networks starting January 1, 2026. 

Cigna has time before December 31, 2025 to engage in good-faith negotiations to protect the integrity of its network. We remain committed to reaching a fair agreement with Cigna and hope Cigna will reciprocate that commitment. 

What will happen to my coverage if Tenet becomes out-of-network with Cigna?

If Tenet becomes out-of-network, Cigna may cover less, or none of the cost of your care at Tenet hospitals, ambulatory care centers and with health system employed providers. Your out-of-pocket costs could increase significantly, and you may have fewer choices for in-network care. Our hospitals remain available for emergency care needs.

To understand what Cigna will or will not cover, we recommend you contact Cigna directly at the Customer Service number located on the back of your Cigna health insurance card.

How can I find out what my Cigna plan covers if Tenet becomes out-of-network?

To understand what Cigna will or will not cover, we recommend you contact Cigna directly at the customer service number located on the back of your Cigna health insurance card.

How much more will I pay to see my current doctor?

To understand how much Cigna will or will not cover, we recommend you contact Cigna directly at the customer service number located on the back of your Cigna health insurance card.   

Tenet is in-network with all other major health plans.

Will there be any exceptions for ongoing treatment or continuity of care?

In some cases, Cigna may allow patients to continue receiving in-network care from Tenet providers for a limited time if you are undergoing certain types of medical treatment. This is called “continuity of care” and is determined by Cigna.  

We recommend you contact Cigna to discuss your individual situation at the customer service number located on the back of your Cigna health insurance card.

Should I cancel my upcoming appointments/procedures at Tenet hospitals?

No. Appointments scheduled for now through December 31, 2025 will still be in-network.  

We continue to negotiate in good faith to protect in-network access to our hospitals, ambulatory surgery centers and other providers.

Cigna can prevent network disruption and still has time before December 31, 2025 to engage in good-faith negotiations to protect the integrity of its network.

What can I do to help keep Tenet in-network with Cigna?

Contact Cigna to keep Tenet in-network. Write or call their leadership.

Visit www.KeepYourHealthcareAccess.com for more information and updates.

How can I stay updated about changes to my coverage?

We will continue to keep patients informed through letters, emails and updates on our website.

What if an agreement is reached after January 1?

If we reach an agreement after the deadline, we would work to restore in-network status as quickly as possible and communicate timing to all patients. 

We will continue to provide regular updates throughout the negotiation process.