- You can get Cigna Medicare Advantage vision coverage by enrolling in a Cigna Advantage plan in 2020.
- Vision coverage is part of many Cigna Medicare Advantage plans.
- Your cost will be based on where you live and which plan you choose.
You depend on your eyesight for many of your daily activities. If you wear prescription eyeglasses, keeping your prescription accurate and up to date is an important part of your healthcare needs.
Cigna Medicare Advantage vision coverage gives you access to vision and eye services, including annual eye exams, prescription eyeglasses, and contact lenses.
Vision coverage is part of most Cigna Advantage plans. These all-in-one plans will cover your basic hospital and medical needs, as well as prescription medications. They also offer added benefits like hearing and dental.
Most Cigna Medicare Advantage plans offer vision and eye care. These benefits cover a number of vision and eye services, such as:
- one routine eye exam each year
- eyeglass frames, usually one frame per year
- prescription lenses or bifocal lenses
- contact lenses
- diabetic retinal exams
- glaucoma screenings
- cataract surgery
Coverage and copay rates vary between plans, but most offer affordable coverage that lowers your out-of-pocket vision care costs.
Cigna Medicare Advantage plans are different in each state, so before you enroll, carefully compare benefits, vision coverage, deductibles, and maximum coverage amounts for eyewear. Cigna’s Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS) plans can all offer vision and eye services.
Your costs will depend on your zip code and the plan you choose — if it covers visits to out-of-network providers and if there are in-network vision specialists.
You can compare premium rates and additional benefits using the Medicare plan finder tool. Simply enter your ZIP code to compare the plans offered in your area.
Examples of costs for Cigna Medicare Advantage plans with vision
|City||Cigna Medicare Advantage plan|
|Maximum out of pocket|
|Cigna HealthSpring Preferred GA (HMO)||$0||$6700|
|Cigna HealthSpring Preferred (HMO)||$0||$5900|
|Cigna HealthSpring Premier (HMO-POS)||$25||$4900|
|Cigna HealthSpring Advantage (HMO)||$0||$5400|
|Cigna HealthSpring Premier (HMO-POS)||$0||$3400|
|Cigna HealthSpring Preferred (HMO)||$0||$2600|
|Cigna HealthSpring True Choice (PPO)||$0||$5400|
(in and out of network)
|Cigna HealthSpring Advantage (PPO)||$0||$5400|
(in and out of network)
|Cigna HealthSpring Preferred (HMO)||$0||$3900|
|Cigna HealthSpring Preferred (PPO)||$0||$6700|
(in and out of network)
|Denver, CO||Cigna HealthSpring Preferred (HMO)||$0||$3900|
|Cigna HealthSpring True Choice (PPO)||$0||$10,000|
(in and out of network)
To be eligible for Medicare coverage, you must meet the following criteria. You must be:
- a U.S. citizen or permanent resident
- over age 65
- an adult under age 65 with a disability or chronic illness
You can enroll in original Medicare through the nearest Social Security office. Make sure you get both parts A and B to be eligible for vision coverage.
The best time to apply for Medicare is during your initial enrollment period, which starts 3 months before your 65th birthday and continues for 3 months after.
After you’ve enrolled in original Medicare, you’re eligible for Cigna Medicare Advantage vision coverage.
Cigna Medicare Advantage plans differ from state to state. You can compare premium rates and benefits using the Medicare plan finder tool. Enter your ZIP code to see plans offered in your area.
When you’re ready to enroll in a Cigna Medicare Advantage plan, fill out a form online or get assistance over the phone.
What are the different parts of Medicare?
Medicare is divided into a few “parts.” Each part of Medicare covers different healthcare needs. Currently, the parts of Medicare include:
- Medicare Part A. Medicare Part A is hospital insurance. It covers you during short-term, inpatient stays in hospitals and for services like hospice. It also provides limited coverage for skilled nursing facility care and select in-home services.
- Medicare Part B. Medicare Part B is medical insurance that covers everyday care needs like doctor’s appointments, therapist visits, medical equipment, and urgent care visits.
- Medicare Part C. Medicare Part C is also called Medicare Advantage. These plans combine the coverage of parts A and B into a single plan. Medicare Advantage plans are offered by private insurance companies and are overseen by Medicare.
- Medicare Part D. Medicare Part D is prescription drug coverage. Part D plans are stand-alone plans that cover only prescriptions. These plans are also provided through private insurance companies.
- Medigap. Medigap is also known as Medicare supplement insurance. Medigap plans help cover the out-of-pocket costs of Medicare, like deductibles, copayments, and coinsurance amounts.
Does original Medicare cover vision care?
Original Medicare (parts A and B) covers basic medical and hospital care but does not include vision or eye services such as routine eye exams.
However, Medicare Part B does cover some eye care, such as cataract surgery.
For adults with diabetes, original Medicare also pays for the cost of an annual eye exam to monitor diabetic retinopathy. Services include yearly glaucoma tests, too.
What does my Cigna vision plan cover?
Your Cigna Medicare Advantage plan likely covers most vision and eye services. You’ll have a yearly max to spend on eyeglass frames, prescription lenses, and contact lenses. Your coverage will also include annual eye exams.
How do I get Cigna’s vision coverage with Medicare?
Vision coverage comes in many of Cigna’s Medicare Advantage plans. After enrollment in original Medicare parts A and B, you can sign up for a Cigna plan with added benefits such as vision, dental, and hearing coverage.
When can I apply for a Medicare Advantage plan?
If you’re planning to enroll in Medicare Advantage, you’ll need to know several enrollment deadlines and dates:
- Initial enrollment period. This is a 7-month window around your 65th birthday when you can sign up for Medicare. It begins 3 months before your birth month, includes the month of your birthday, and extends an additional 3 months after your birthday. During this time, you can enroll for all parts of Medicare without a penalty.
- Open enrollment period (October 15–December 7). During this time, you can switch from original Medicare (parts A and B) to Part C (Medicare Advantage), or from Part C back to original Medicare. You can also switch Part C plans or add, remove, or change a Part D plan.
- General enrollment period (January 1–March 31). You can enroll in Medicare during this time frame if you didn’t enroll during your initial enrollment period.
- Special enrollment period. If you delayed Medicare enrollment for an approved reason, you can later enroll during a special enrollment period. You have 8 months from the end of your coverage or the end of your employment to sign up without penalty.
- Medicare Advantage open enrollment (January 1–March 31). During this period, you can switch from one Medicare Advantage plan to another or go back to original Medicare. You cannot enroll in a Medicare Advantage plan if you currently have original Medicare.
- Some Cigna Medicare Advantage plans cover vision and eye care.
- You plan costs will depend on your ZIP code and the plan you choose.
- Some vision services are covered by original Medicare if you meet specific requirements, such as having diabetes. If not, you’ll need to purchase extra vision coverage.
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