San Antonio Health Insurance Contract Dispute
Baptist Health System’s parent company, Tenet Healthcare, is in a contract disagreement with Cigna, an insurance provider. If they don’t come to an agreement by December 31, about 1.4 million Texas families could face higher healthcare costs or issues accessing care.
These disputes can create worry and confusion. Experts advise staying calm, as many companies use these tactics to negotiate. It’s important to be prepared. Here are some practical steps to follow, based on guidance from the Centers for Medicare & Medicaid Services.
1. Check if You’re Affected
Not all insurance plans are involved in these disputes. If the issue extends past the deadline, contact both your insurer and your healthcare provider. Ask specific questions like:
- Is my doctor still considered in-network?
- Will my upcoming appointment be covered?
- If I’m already in treatment, will I still pay in-network rates?
Document who you spoke with and when, so you have a reference.
2. Understand Your Options for Continuing Care
Sometimes, patients can still receive care even if their provider is out-of-network. If you’re in this situation, ask your provider about continuity-of-care policies. You should also inquire with your insurance about:
- How to apply for continuity-of-care
- The deadline for submissions
- How long coverage will last if approved
3. Consider Switching Plans or Providers
Disputes can resolve quickly, but if things drag on, you might contemplate changing your healthcare plan. If your medical needs are routine, ask about other in-network providers accepting new patients. Research your options, whether through your employer or a marketplace. Investigate if you qualify for a special enrollment period.
Expert Insight
Healthcare expert Dr. Elizabeth Johnson notes, “Patients should remain proactive in understanding their benefits and not hesitate to reach out for clarity. Communication can reduce uncertainty.”
Recent Data
According to a survey by the Kaiser Family Foundation, about 14% of Americans faced issues with out-of-network providers in 2022. This emphasizes the importance of understanding your health insurance coverage and advocating for your care.
Baptist Health System chose not to comment further, and both parties are considering their positions as the deadline approaches. Staying informed and asking questions is crucial during these times.
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