[CIGNA] Does anyone know what the deal is with “SaveOnSP”?

I take a very expensive specialty medication that my Cigna insurance has been covering in full for years. But they just sent me a letter that starting next year, I will be responsible for a 30% co-insurance, and this coinsurance won’t apply to any of my normal deductibles or annual maximums. Basically, they are saying I am going to be financially ruined next year.

But they say that if I call them up and ask to be part of the “SaveOnSP” program, that my prescription will continue to be completely free to me. There is no fine print or explanation anywhere on the letter about what I’d actually be agreeing to if I signed up for this program. Their website also has no fine print or explanation. And since they want me to call them up and agree to it over the phone, rather than in writing, I will never have access to a full record of what I’m even agreeing to.

It seems like they are trying to strong arm me into signing up for something, with no understanding of what’s even going on, why this program is suddenly necessary, or why such an enormously important program is “optional” rather than just making everyone part of it by default. My bullshit detector is going off at full volume over this and I have no idea who to even talk to about it.

submitted by /u/SydricVym
[link] [comments]I take a very expensive specialty medication that my Cigna insurance has been covering in full for years. But they just sent me a letter that starting next year, I will be responsible for a 30% co-insurance, and this coinsurance won’t apply to any of my normal deductibles or annual maximums. Basically, they are saying I am going to be financially ruined next year. But they say that if I call them up and ask to be part of the “SaveOnSP” program, that my prescription will continue to be completely free to me. There is no fine print or explanation anywhere on the letter about what I’d actually be agreeing to if I signed up for this program. Their website also has no fine print or explanation. And since they want me to call them up and agree to it over the phone, rather than in writing, I will never have access to a full record of what I’m even agreeing to. It seems like they are trying to strong arm me into signing up for something, with no understanding of what’s even going on, why this program is suddenly necessary, or why such an enormously important program is “optional” rather than just making everyone part of it by default. My bullshit detector is going off at full volume over this and I have no idea who to even talk to about it. submitted by /u/SydricVym [link] [comments]Read Morer/HealthInsurance

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