Researching and choosing the right Medicare plan to fit your needs each year takes work, but with Cigna Medicare Advantage plans coming in 2025, finding the right coverage for your healthcare needs has never been easier.
Whether you prefer the structure of an HMO, the flexibility of a PPO, or specialized care with an SNP, Cigna has a plan tailored for you.
Cigna Health and Life, a global insurer and part of the Cigna national health insurance company offers a variety of Medicare Advantage plans, including Cigna Preferred Medicare, to cater to diverse healthcare requirements and preferences.
With approximately 600,000 Medicare Advantage beneficiaries covered by Cigna plans, their offerings include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Special Needs Plans (SNP).
Each plan type comes with its own unique features and benefits, ensuring that there’s an option to fit everyone’s needs.
Choosing the best plan involves taking the time to shop and compare Medicare Advantage plans. This process includes understanding the different plan types, their associated costs, and the coverage provided, enabling you to choose a plan that aligns with your healthcare needs and budget.
HMO plans operate within a designated network of healthcare professionals. To receive specialist care, a referral from a primary care physician (PCP) is required.
Cigna Medicare Advantage HMO plans offer numerous benefits, such as:
Keep in mind that services, including Medicaid services, must be obtained from in-network providers to be covered under an HMO plan, which typically includes hospital insurance.
For those seeking more flexibility, a Health Maintenance Organization-Point of Service (HMO-POS) plan may be an ideal choice.
HMO-POS plans to enable beneficiaries to access services outside of the network for specific circumstances, such as certain out-of-network care, but at a higher cost. This offers a balance between the structure of an HMO and the freedom to seek care beyond the plan’s network.
PPO plans offer a network of healthcare professionals, allowing members to see both in-network and out-of-network providers without requiring referrals for specialist visits.
Cigna Medicare Advantage PPO plans are known for their flexibility and typically provide $0 monthly premiums, low copays, and $0 deductibles.
Keep in mind that seeking care from out-of-network providers may result in higher coinsurance or copay amounts.
While Cigna’s PPO plans have a distinct network of healthcare providers, comparing Medicare Advantage plans to evaluate coverage and costs across different providers is necessary. Quality of care is maintained for both in-network and out-of-network providers under Cigna Medicare Advantage PPO plans, but it’s essential to review specific plan details for any disclosures, exclusions, and limitations that may apply.
Special Needs Plans (SNPs) are HMO plans designed to meet the specific needs of individuals with disabilities and/or certain diseases. Cigna SNP provides:
These plans, including health and life insurance, are beneficial for customers with unique requirements, such as medical or financial needs, as benefits vary to cater to individual needs.
Cigna SNP coverage is tailored to those with chronic or disabling conditions, with specific qualifying medical conditions differing depending on the plan. Generally, these plans encompass diseases and healthcare needs that necessitate specialized care, such as:
These are just a few examples of the conditions covered by Cigna SNP plans.
Cigna Medicare Advantage plans come with varying costs, including premiums, copays, and deductibles.
However, they also offer opportunities for savings and additional benefits, such as dental, vision, and hearing care.
Understanding these costs and benefits can aid in selecting a plan that best suits your healthcare needs and financial situation.
Factors such as location and individual health requirements play a role in determining the cost of a Cigna Medicare Advantage plan. Comparing Medicare Advantage plans and considering these factors can guide you toward a plan that provides the coverage you need while keeping costs manageable.
The average premiums for Cigna Medicare Advantage plans may vary, depending on the plan selected and your location.
Some plans may have no premium, while others may have higher premiums. An in-depth review of plan details is needed to ascertain the premium amount and understand the out-of-pocket costs associated with each plan.
Cigna Medicare Advantage plans typically have an out-of-pocket maximum of around $2,700. However, the exact costs depend on the specific plan selected and may include copays for primary care and specialist visits, deductibles, and coinsurance.
Reviewing plan details can help you accurately assess the costs associated with each Cigna Medicare Advantage plan.
To maximize the benefits of your Cigna Medicare Advantage plan, consider factors such as:
Understanding these costs and benefits will help you select a plan that provides the best value for your healthcare needs.
Keep in mind that the costs associated with Cigna Medicare Advantage plans may be influenced by factors such as location and personal health.
Comparing Medicare Advantage plans and considering these factors can help you find a plan that provides the coverage you need while keeping costs manageable.
Enrollment in Cigna Medicare Advantage plans is subject to eligibility criteria and specific enrollment periods.
Understanding these requirements and timeframes will ensure you can access the coverage you need when you need it.
The Initial Enrollment Period for Cigna Medicare Advantage plans is a seven-month window that begins three months before your 65th birthday and ends three months after. Enrolling during this period ensures you can access the coverage you need as soon as you’re eligible.
If you miss the Initial Enrollment Period, you can still enroll in a Cigna Medicare Advantage plan during the Annual Enrollment Period, which runs from October 15th to December 7th each year. Enrollment during this period allows you to review and adjust your coverage as needed.
In some cases, you may be eligible for a Special Enrollment Period (SEP) if you experience certain life events or changes in your healthcare needs.
Switching from other Medicare plans to Cigna Medicare Advantage plans may be possible during specific enrollment periods or under certain circumstances.
The Annual Enrollment Period (AEP) is an ideal time to transition from another Medicare plan to a Cigna Medicare Advantage plan, as it occurs annually from October 15th to December 7th.
In some cases, you may be eligible for a Special Enrollment Period (SEP) if you experience certain life events or changes in your healthcare needs. To confirm your eligibility and learn more about the enrollment process, it’s best to contact Cigna directly.
Cigna partners with a wide network of healthcare providers, ensuring accessibility and quality care for its members.
By collaborating with healthcare professionals across various specialties, Cigna can offer comprehensive care options for those enrolled in their Cigna Healthcare Medicare Advantage plans.
Cigna’s network strength includes a variety of healthcare professionals and facilities, providing comprehensive care options for its members.
With coverage available in 581 counties within 28 states, Cigna’s extensive network allows individuals in those areas to access their Medicare Advantage plans and receive the care they need.
To ensure the quality of care from its healthcare providers, Cigna implements its Quality Improvement Program, which involves surveys and preventive screenings to track and develop the healthcare provided to customers.
Moreover, doctors are assessed based on factors like board certification, adherence to evidence-based rules, and National Committee standards.
Certain Cigna plans may cover out-of-network care, although it might come with higher costs or limitations.
For instance, out-of-network care under Cigna Medicare Advantage plans typically has a $40 copay for primary care physicians and a $30 copay for specialists.
When considering out-of-network care, it’s important to be aware of potential limitations or restrictions that may apply to your specific plan.
Reviewing plan details and consulting with Cigna can help you understand any potential changes in coverage, network providers, and costs associated with seeking care outside of the plan’s network.
Cigna offers customer support and resources to assist members in managing their Medicare Advantage plans and benefits.
With a variety of online services, tools, and personalized assistance from insurance agents, Cigna ensures members receive the necessary support to optimize their coverage.
Online services provided by Cigna include plan information, claims tracking, and provider search tools.
Members can access these services through the myCigna member portal, which allows them to locate a doctor, understand their coverage, and manage their Medicare Advantage plan online.
Members can also track claims and manage their prescription medications through the Cigna for Health Care Professionals website.
By registering for an account, members can utilize various self-service tools to monitor their healthcare coverage and manage their prescriptions.
Independent Insurance agencies can offer personalized assistance and guidance on company and plan options as well as enrollment.
Our licensed insurance agents can provide expert advice on Medicare Advantage plans from top insurance companies that best suit your healthcare needs and financial situation.
In addition to Medicare Advantage plans an agent may also discuss options from companies such as :
Call us today to speak to one of our licensed insurance agents at: 1-833-641-4938
They will be able to guide you in selecting the right plan, understanding the benefits and coverage, and assisting with the enrollment process.
Cigna also offers additional coverage options, such as prescription drug plans (Medicare Part D) and Medicare supplement plans (Medigap).
These options can supplement your Medicare Advantage plan, offering additional financial protection and peace of mind.
Part D plans provide prescription drug coverage, complementing Medicare Advantage plans. Cigna’s Part D prescription drug plans offer a range of benefits, such as:
Medicare supplement plans, also known as Medigap plans, help cover costs not included in the government’s Medicare program, known as original Medicare.
Offering additional financial protection and peace of mind, these plans can cover expenses such as deductibles, copayments, and coinsurance.
Cigna offers a variety of Medicare supplement plans, including:
By submitting a Medicare Supplement Insurance application online at Cigna.com, you can take advantage of competitive rates and additional coverage options that complement your Medicare Advantage plan.
Cigna offers a diverse range of Medicare Advantage plans, designed to cater to various healthcare needs and preferences.
With HMO, PPO, and SNP options, as well as additional coverage options like prescription drug plans and Medicare supplement plans, Cigna provides comprehensive and flexible healthcare solutions for its members.
By understanding the different plan types, costs, and benefits, you can make an informed decision and find the perfect plan to fit your healthcare needs and financial situation.
Cigna offers Medicare Advantage plans with low-cost or $0 monthly premiums, as well as good quality ratings from the NCQA.
However, their customer satisfaction score is relatively low. Overall, Cigna Advantage may be a decent option depending on individual needs.
Humana Insurance Company has the highest star-rated Medicare Advantage plans.
Medicare Advantage plans can limit your choice of doctors and medical offices, may cost more with complex medical needs, and often require prior authorization for services. Additionally, they may not provide coverage far from home.
Cigna Healthcare offers dual-eligible special needs plans (DSNP) to individuals who qualify for both Medicare and Medicaid, with 68 new counties added this year.
Additionally, they have contracted with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs.
Cigna provides a range of Medicare Advantage plans, including HMO, PPO, and SNP plans, to meet different customer needs.
ZRN Health & Financial Services, LLC, a Texas limited liability company
Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.