I'd like to clear something up. I'm a recent retiree from Progressive, and I'm on Cigna COBRA. I've been largely happy with Cigna and the Cleveland Clinic and have no gripes with either.
Progressive notified employees in writing just prior to the deadline for choosing 2024 benefits that the Cleveland Clinic may become out of network for Cigna in April 2024. I'm sure Progressive leadership was not happy about that and there was probably not enough time for them to switch to a different carrier at that time. The Clinic and Cigna also notified Clinic patients just prior to the time we chose benefits. The Cleveland Clinic is not dropping Cigna, and Cigna is not dropping the Clinic. Your care from Cleveland Clinic doctors and hospitals will continue to be covered, but it will be covered at OUT OF NETWORK costs. You will have a much higher deductible and then after you meet the deductible, Cigna will pay 70% of the cost of care instead of 80%. You do not have to give up your healthcare providers. You will have to pay more for care, which is terrible, but that's how insurance works in a capitalist economy. Healthcare costs in America are astronomical, and Cigna wants to negotiate lower costs. If we had universal healthcare, this would not be an issue. Universal healthcare will likely never happen in the USA because many healthcare insurance carriers and ALL pharmaceutical companies are greedy and can influence politicians. That's how this is all working. I'm sure Progressive is doing all they can to influence the outcome of this mess, and I'll be surprised if they don't drop Cigna next year. So, squeeze in the appointments you can for now and hang in there until next year. Good luck to all of us!