To shop over the phone call855-249-0191

Speak with a licensed agent and get expert advice on choosing a plan that’s right for you

Cigna Medicare Advantage 2022

With over 170 million global customers, 74,000 employee workforce, and a coverage of more than 30 countries all over the world, Cigna Corporation is one of the largest, most-respected medical health insurance companies in the world. Formed in 1982, Cigna caters primarily to U.S citizens and selected the international market. We talk about them here because of their commitment to quality care and promotion of health and well being even as you age.

Branded as Cigna-Healthspring, Cigna offers Medicare Advantage plans in 18 states of the United States as well as Washington DC. The Medicare Advantage (Part C) plans offer the standard Part A and Part B Original Medicare coverage as well as other benefits, some of the additional benefits such as fitness programs and health coaching at zero cost. 

The benefits of these plans may include dental coverage, hearing, vision coverage, prescription drug (part C) coverage, and ER services coverage depending on your plan of choice. Cigna-Healthspring offers Medicare Advantage plans that help you save monthly due to the low or sometimes zero monthly premiums depending on your plan. They also offer all-in-1 plans and team-based support made possible by their vast network of work communities which includes doctors, pharmacists, specialists, etc.

Cigna Medicare Advantage 2020

U.S. States With Cigna Medicare Advantage Plans

While Medicare is available in all U.S states, there are about 18 states where Cigna offers Medicare Advantage. These states are Alabama, Arkansas, Arizona, Colorado, Delaware, District of Columbia, Florida, Georgia, Illinois, Kansas, Missouri, Maryland, Mississippi, New Jersey, North Carolina, Pennsylvania, South Carolina, Tennessee, and Texas. While Cigna-Healthspring offers Medicare Advantage in all these states, the formats may vary from state to state.

Cigna-HealthSpring MA Plans, Programs, And Services

Cigna Healthspring Medicare Advantage plans include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Private Fee-For-Service (PFFS), Medical Savings Account (MSA), and Special Needs Plan (SNP).

Depending on eligibility, certain MA programs and services are also available such as Behavioral health solutions which offer depression disease management and substance use coaching programs; Case Management Preventive Care which is free and especially beneficial for individuals with more serious health benefits; and Healthy Rewards Program which allows you a discount on a range of health and wellness services and programs). There is also an MA Plan Incentive program which rewards you with gift cards to a select store near you when you complete a wellness activity. Wellness activities may vary but generally include year 369 exams, mammograms, colorectal cancer screening, etc.

Cigna Health Maintenance Organization

This MA plan offers you a network of local health service providers, doctors, and hospitals to choose from. However, in case of medical emergencies, you can use Cigna out of network doctors and hospitals as there is out-of-network coverage for medical emergencies only. You would be required to have a primary care provider (PCP) who is also an in-network provider which coordinates your health care. Your PCP handles your referrals when you need a specialist. This plan may be best if you are willing to pay a higher deductible to get a lower monthly premium. The cost of copay and coinsurance for HMO is usually lower than other MA plans especially when you use in-network health services, hospitals, and doctors.

Cigna Preferred Provider Organization

For a PPO, choosing a primary care provider may not be required and you do not need a referral to see a specialist. There is a large number of in-network providers, doctors, hospitals for you to choose from. This is possible as Cigna has a global network of more than 1 million relationships with health care providers, clinics, and facilities. There are also up to 68,000 contracted pharmacies in the Cigna network and more than 500 hospitals in the Cigna Hospital Quality Incentive Program. You can also use out-of-network providers however, that may incur more out-of-pocket costs (higher copay or coinsurance).

Cigna Exclusive Provider Organization

Usually, more cost-friendly than a PPO, An EPO offers you a local network of doctors to choose from at a lower premium and a higher deductible. This plan usually requires a primary care provider, although not always, you don’t need a referral from your PCP to see a specialist and there is out-of-network coverage for medical emergencies.

Cigna HMO Point of Service

The Cigna HMO point service plan is a combination of HMO and PPO. You are required to choose a PCP from the network from which you get a referral to see a specialist and your healthcare provider network of hospitals, doctors, and professionals is smaller than the PPO plan. However, you can see a doctor outside your plan’s network although this costs you more out-of-pocket.

Cigna Private Fee for Service

The Medicare Advantage Private Fee for Service (PFFS) plans are more flexible than the PPO, EPO, or HMO plans. For this plan, you don’t need a PCP, neither do you need a referral or even a network. You are allowed to use any Medical approved doctor that allows a PFFS plan. This plan is, however, costlier as there is a set fee for each service received. Also, the health care facility can decide if they want to accept your PFFS plan or not.

Cigna Medicare Savings Account

The Cigna Medicare Advantage MSA plan combines a highly deductible healthcare plan with a bank account that has a predetermined amount of money deposited in it every year by Cigna. Your healthcare services are covered with this deposit. This plan pays more attention to your original Part A and Part B coverage and may not cover prescription drugs. When you have met your plan deductible, the plan then pays for any further Medicare services.

Cigna Special Needs Plan

Cigna Special Needs Plan pays special attention to individuals with certain chronic conditions like diabetes and other chronic illnesses. There is a list of SNP types offered by Cigna. These include Dual SNP for individuals with Medicare and Medicaid coverage; Chronic SNP for individuals with a chronic condition and Institutional SNP for individuals who live long-term in a healthcare facility. These plans cover case management programs, prescription drugs, and health care provider costs.

When choosing a Medicare Advantage plan, it is important to take careful considerations depending on budget, health condition, and convenience. In some cases, you may find it easier to continue using your current doctor or medical services in which case you may opt for a Cigna PPO plan. However, you may also check whether your doctor is already part of the Cigna provider network, in which case you may consider another plan. You can use our website to compare plans that are available in your area and get a list of quotes before deciding which plan is best for you.