FYI: To learn more about our favorite Medicare Advantage providers, check out our guide to this year’s best Medicare Advantage plans.
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In addition to covering everything from Original Medicare, Cigna Medicare Advantage plans offer benefits like fitness memberships, home-delivered meals, transportation services, and a social connection program. Above all, Cigna’s plans are very affordable, ranging from $0-$19 in monthly premiums.
FYI: To learn more about our favorite Medicare Advantage providers, check out our guide to this year’s best Medicare Advantage plans.
Cigna Medicare Advantage costs will vary by location and the specific plan; however, many people can expect to pay $0 per month in premiums.
Location | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
---|---|---|---|
Georgia | $0-$34.40 | $0 | $3,450-$7,500 |
Mississippi | $0 | $0 | $6,700 |
Alabama | $0-$30 | $0 | $4,500-$7,550 |
Texas | $0-$17.90 | $0 | $3,450-$3,900 |
Plan | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
---|---|---|---|
Georgia | $0 | $0 | $7,200-$11,300 |
Mississippi | $0 | $0 | $7,500-$10,000 |
Alabama | $0 | $0 | $5,100-$7,700 |
Texas | $0 | $0 | $6,700-$11,300 |
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 Point plans, where you can receive flexible coverage.
Preferred Provider Organization (PPO) plans give you a large network of participating providers and facilities, so 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 plans, you’ll have to pay more and submit claims yourself. You’ll also need to meet separate out-of-network deductibles.
Cigna has three different SNPs.
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:
Cigna offers additional benefits with many of their Medicare Advantage plans. Keep in mind that they will vary by plan and location.
Your plan may provide access to the Silver&Fit Aging and Exercise program where you can receive gym memberships and home fitness programs.
Transportation benefits allow you to take non-emergency trips (via taxi, van, or rideshare through Cigna’s Access2Care) to healthcare facilities within 60 miles of your home. Note that the number of trips you can take depends on plan type.
Once discharged from a hospital or skilled nursing facility, your plan may allow you to receive a set number of meals delivered to your house via GA foods. This benefit is good up to three times each year.
This program was specifically created to help you battle loneliness as a result of the COVID-19 pandemic. If offered in your area, you’ll have access to a caretaker who will comfort you with instrumental activities like meal preparation, transportation, and chores.
This is an extension to Cigna’s Senior Savings Model, capping the price of insulin to $35 per month regardless of your coverage phase.
To help you manage your health better, Cigna’s Medicare Advantage plans give you a gift card for wellness visits, where you’ll receive $0 copays for annual screenings and a physical examination at an in-network doctor.
Cigna’s customer service can be contacted a variety of ways:
While Cigna’s Medicare Advantage plans are available in 26 states, which totals 108 counties. Keep in mind that plans may not be offered in all counties within the states below.
Cigna 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 preventative care (detailed above).
When searching for a Medicare Advantage plan, it never hurts to look at reviews and ratings from trusted sources.
To learn more about our favorite Medicare Advantage providers, check out our helpful guides:
Cigna offers a variety of HMO, PPO, and SNP plans.
Currently, Cigna Medicare Advantage is offered in 26 states, but keep in mind that not all counties in select states offer it.
Cigna Medicare Advantage covers Medicare Parts A, B, and usually D. You’ll also likely receive additional benefits such as transportation services, fitness memberships, and affordable diabetes care (if applicable).
Cigna Medicare Advantage is a great choice not only because of the coverage options, but additional benefits. Consider that most Cigna Medicare Advantage plans are HMO rather than PPO.