> From: Noelle <noelle> > Date: Sun, 13 Nov 2022 08:43:34 -0800 (PST) > > so this means I could see that gynecologist that is no longer in > Cigna network? Well, this ultimately reduces the status quo ante, i.e., you'll have to pay 40%. It will be pre-tax dollars, but, if you had used the FSA, it also would've been pre-tax dollars as well. So, it's the same rain under either umbrella.