With at least some of these groups you also have the option of going offshore for your necessary procedures. The organizations should probably make those alternatives known. It would reduce costs even more. I am on Medicare and have an Advantage plan that includes 50,000$ coverage out of country. That 50k out of country is like several times that much domestically.
You must be referring to Cigna. I took that one because of the out of country provision. I spend time in Viet Nam and that 50 thou goes a long way there and I do have access to high quality medicine at the French hospital in Nha Trang which is world class.