Baptist-Cigna deadline nears: Insurance expert shares 3 steps patients should take now

June 19, 2026 - 17:42

With just days left before Baptist Health hospitals and employed physicians are set to exit Cigna's insurance network, patients across Northeast Florida face growing uncertainty about their medical care. The deadline, which could disrupt coverage for thousands, has prompted a local insurance expert to offer clear guidance for those caught in the middle.

First, patients should confirm whether their specific plan is affected. Not all Cigna policies are the same, and some employer-based plans may have different network rules. The expert recommends calling the number on the back of the insurance card and asking directly about Baptist Health facilities and employed doctors. Do not assume all providers are included or excluded.

Second, if a patient is in the middle of active treatment, such as chemotherapy, pregnancy, or a scheduled surgery, they should request continuity of care. Insurance companies often grant temporary coverage for ongoing treatment even after a network change. This requires a formal request from the patient's doctor, so acting now is critical.

Third, patients should review their options for in-network care. This includes checking which other hospitals and specialists are covered under their current plan. For those who strongly prefer Baptist Health, switching to a different Cigna plan or another insurer during open enrollment may be necessary. However, that window may not be open for everyone.

The expert stressed that waiting until the last minute could lead to surprise bills or interrupted care. With the deadline approaching, taking these steps now can help patients avoid financial and medical headaches.