Here are four things to know: 1. The two organizations have failed to reach a contract agreement after 11 months of talks. If the two parties are unable to reach an agreement, commercially insured individuals will lose in-network access to several Tenet hospitals, physician clinics, freestanding surgery centers, imaging centers and urgent care centers. 2. Cigna and Tenet have publicized their negotiations, with Cigna creating a website to address its stance. In addition, Audrey Gregory, PhD, the CEO of Tenet's Memphis-based subsidiary Saint Francis Healthcare, wrote a letter to the editor Dec. 5 about the system's stance. Saint Francis has also advertised its opinion in local media. 3. In a statement to the Memphis Business Journal, a spokesperson from Tenet said: "We are negotiating in good faith and Cigna insists on misrepresenting the facts and taking steps backwards, demanding excessive, unreasonable rate cuts that will result in the wrong outcome for our patients, employees, and the communities we serve.