All-in-one low-cost plan with great benefits
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Cigna offers several Medicare Advantage plans, including HMO, PPO, and SNP options. Some plans have supplemental benefits that offer services for mental health, transportation, medication management, meal programs, and more. If you live in one of the 26 states where Cigna plans are available, they may be great options for you. Keep reading to learn more about Cigna's Medicare Advantage plans, what you can expect to receive from each, their costs, and more.
FYI: Preparing to enroll in Medicare? Visit our guide to Medicare enrollment to learn all the inside tips.
Cigna has a variety of Medicare Advantage plans, including PPO, HMO, and SNP plans. Keep in mind that benefits and plans will often differ by location.
Did You Know? There are a variety of Medicare Advantage plan types, such as HMO, PPO, SNP, PFFS, and MSA.
If you choose one of Cigna's health maintenance organization (HMO) plans, you'll have a local network of doctors and providers from whom you can seek care. Specialist referrals are mandatory, except for OB/GYN services. Cigna offers HMO point-of-service and HMO open access plans, through which you can receive flexible coverage.
Preferred provider organization (PPO) plans give you a large network of participating providers and facilities so that you have a broad range of doctors and hospitals to choose from. You'll receive global emergency and urgent care coverage 24 hours a day, seven days a week. If you want to receive care outside of Cigna's PPO network, be prepared to pay more and submit claims yourself. You'll also need to meet a separate out-of-network deductible.
Cigna has three different special needs plans (SNPs). A dual SNP (D-SNP) is available for those who have both Medicare and Medicaid and qualify for an SNP. A chronic SNP (D-SNP) is available if you have diabetes mellitus, and an institutional SNP (I-SNP) is available for those who reside in a long-term care facility or require nursing home-level care. You'll receive all the benefits of Medicare Advantage (including prescription drug coverage) in addition to extra services specific to the plan. Services may include the following:
Cigna offers additional benefits with many of their Medicare Advantage plans. Note that benefits will vary by plan and location. These may include behavioral health support; medication management; transportation; dental, vision, and hearing coverage; fitness memberships; home-delivered meals; and Cigna's over-the-counter program. Below is a closer look at some of these benefits:
Cigna Medicare Advantage plans vary widely from person to person and plan to plan (including the cost). While the average premium for Medicare Advantage plans is roughly $19 per month in 20221, many of Cigna's plans are low cost or have a $0 monthly premium as well as a $0 copay for primary care visits. Special needs premiums can range between $5 and $81. Depending on which plan you choose, out-of-pocket limits can range between $3,700 and $11,300. Keep in mind that geographic location is a large determinant. Regardless, you'll still be required to pay Medicare B premiums (and Part A premiums in some cases).
FYI: If you'd like to learn more about what Medicare Advantage is, visit our guide to Medicare Advantage!
Cigna's Medicare Advantage plans are available in 26 states. In terms of expansion, Cigna is working to offer coverage in three more states this year, which would bring the total to 108 counties. The provider has also recently expanded benefits that may be available in your area, including their Social Connection Program, Senior Savings Model for affordable diabetes care, and gift cards for preventive care (detailed above).
Pro Tip: Love the doctor you're seeing? Use Cigna's provider and pharmacy directory to see if they accept your Medicare Advantage plan.
When searching for a Medicare Advantage plan, it never hurts to look at reviews and ratings from trusted sources.
Overall, Cigna's Medicare Advantage plans are a great choice, as you can choose from different HMOs, PPOs, and SNPs. You'll pay a low monthly premium or even a $0 premium, and benefits are satisfactory. Cigna's customer service team is readily available across a multitude of channels, so you won't have to worry about how to reach them. If you're looking for a Medicare Advantage plan that has many options, excellent benefits, and low costs, Cigna may be the right choice.
Healthcare Finance. (2022). Medicare Advantage premiums are $2 lower per month in 2022.