at a glance
- Cigna Medicare Advantage plans are available in many states.
- Cigna offers several types of Medicare Advantage plans, such as HMOs, PPOs, SNPs, and PFFS.
- Cigna also offers separate Medicare Part D plans.
- The company has a global network of 1.5 million healthcare professionals, clinics, and facilities and contracts with more than 99% of all U.S. pharmacies.
In the United States, Cigna offers health insurance to customers through employers, the Health Insurance Marketplace, and Medicare.
The company offers Medicare Advantage plans in many places across the United States. Cigna also offers Medicare Part D plans in all 50 states.
Cigna’s Medicare plans can be found using Medicare’s plan finding tool.
Cigna offers Medicare Advantage plans in a variety of formats. Not all formats are available in all states. If you live in a state that has Cigna Medicare Advantage plans, you might be able to choose from a few different formats. Plans available to you might include the following options.
Cigna HMO plans
A Health Maintenance Organization (HMO) plan works with a set network of healthcare professionals. You’ll need to go to doctors, hospitals, and other providers within the plan’s network to have your services covered. However, if you have an emergency, the plan will likely pay even if you go out of network.
Depending on the plan you choose, you’ll need to select a primary care physician (PCP). Your PCP must be an in-network healthcare professional and will be the person who refers you to specialists for any other services you might need.
Cigna also offers a few HMO Point-of-Service (HMO-POS) plans. You’ll have slightly more flexibility with an HMO-POS than a traditional HMO plan. These plans allow you to go out of network for certain services. However, going out of network comes with a higher cost.
Cigna PPO plans
A Preferred Provider Organization (PPO) plan has a network of healthcare professionals just like an HMO. However, unlike an HMO, you’ll be covered when you see doctors and specialists outside the plan’s network. The plan will still pay, but you’ll pay a higher coinsurance or copay amount than you would with an in-network healthcare professional.
As an example, a visit to an in-network physical therapist might cost you $40, while a visit to an out-of-network healthcare professional might cost $80.
Cigna PFFS plans
Private Fee-For-Service (PFFS) plans are flexible. Unlike an HMO or PPO, PFFS plans don’t have a network. You can see any Medicare-approved doctor using a PFFS plan. You don’t need to have a PCP or get referrals, either. Instead, you’ll pay a set amount for each service you receive.
However, healthcare professionals can decide whether or not to accept your PFFS plan on a case-by-case basis. This means that you can’t count on a service always being covered, even if you stick with the same doctor. PFFS plans are also available in fewer locations than HMOs or PPOs.
Depending on where you live and your circumstances, you might be able to purchase a Cigna Special Needs Plan (SNP). SNPs are designed for customers with specific needs. These needs could be medical or financial. Examples of times an SNP might be a good choice include:
- You have a limited income and qualify for Medicaid. You’ll pay much lower costs if you qualify for a Medicaid and Medicare combined SNP.
- You have a condition that needs regular care, such as diabetes. Your SNP can help you manage your condition and cover some of your care costs.
- You live in a nursing facility. You can find SNPs to help manage the costs of living in a long-term care facility.
Cigna Medicare saving account (MSA)
You might not be as familiar with Medicare saving account (MSA) plans as with other types of healthcare plans. With an MSA, your healthcare plan is combined with a bank account. Cigna will deposit a preset amount of money into the bank account, and that money will be used to pay all of your Medicare Part A and Part B costs. MSA plans generally do not include prescription coverage.
Medicare Part D is prescription drug coverage. Part D plans help you pay for your prescriptions. You’ll pay a small premium for most Part D plans, and there is normally a deductible before coverage kicks in.
You might need to use an in-network pharmacy to get your prescriptions covered. How much of your prescription’s price is covered will depend on whether the drug is generic, brand name, or specialty.
Currently, Cigna offers Medicare Advantage plans in:
- New Jersey
- New Mexico
- North Carolina
- South Carolina
- Washington, D.C.
Medicare Advantage plan offerings vary by county, so enter your specific ZIP code when searching for plans where you live.
Each Cigna Medicare Advantage plan comes with various extra services on top of what original Medicare offers. Here are a few of the coverage benefits that many plans from Cigna offer:
- 24/7 virtual care via telehealth
- access to Cigna’s Behavioral Health Unit for help with mental health or substance use disorder issues
- medication therapy management from a Cigna pharmacist
- health and wellness discount on LASIK vision correction, certain yoga products, acupuncture treatments, and more
The coverage you receive may depend on the plans available in your area and which one you choose.
The cost of your Cigna Medicare Advantage plan will depend on where you live and the type of plan you choose. Keep in mind that any Advantage plan premium will be charged in addition to the standard Medicare Part B premium.
Some Cigna plan types and prices from around the country can be found in the table below:
|Plan name||Monthly premium||Health deductible, drug deductible||In-network out-of-pocket max||PCP visit copay||Specialist visit copay|
|Cigna Preferred Medicare (HMO)||$0||$0, $0||$4,200||$0||$30|
|Dallas, TX||Cigna Preferred Savings Medicare (HMO)||$0||$0, $0||$6,400||$0||$45|
|Tampa, FL||Cigna Preferred Medicare (HMO)||$0||$0, $0||$2,200||$0||$0|
|San Antonio, TX||Cigna Preferred Medicare (HMO)||$0||$0, $0||$2,900||$0||$15|
|Chicago, IL||Cigna True Choice Medicare (PPO)||$0||$0, $0||$5,150 in and out of network, $3,200 in network||$0||$30|
Medicare Advantage (Part C) is a healthcare plan offered by a private company, like Cigna, that contracts with Medicare to provide coverage.
Medicare Advantage plans take the place of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Together, Medicare parts A and B are referred to as “original Medicare.” A Medicare Advantage plan pays for all the services covered by original Medicare.
Most Medicare Advantage plans include additional coverage, such as:
Many Medicare Advantage plans also include prescription drug coverage. You can purchase separate Part D (prescription drug) coverage if your Medicare Advantage plan doesn’t offer this coverage.
Medicare Advantage plans available to you will depend on your state. You can use the plan finder on the Medicare website to see what’s available in your area.
Cigna is one of many companies that contract with Medicare to provide Part C plans. Cigna offers Medicare Advantage plans at a variety of price points. Not all plans are available in all states.
You can choose a plan that fits your healthcare needs and budget by using the Medicare website’s plan finder. Cigna also has options for people who want to purchase separate Part D plans.