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Cigna Preferred Full Savings Medicare (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna Preferred Full Savings Medicare (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Cigna Preferred Full Savings Medicare (HMO) in 2025, please refer to our full plan details page.
Cigna Preferred Full Savings Medicare (HMO) is a HMO plan offered by The Cigna Group available for enrollment in 2025 to people living in Central Arizona. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Cigna Preferred Full Savings Medicare (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Cigna Preferred Full Savings Medicare (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Cigna Preferred Full Savings Medicare (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $174.70. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6800.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for Cigna Preferred Full Savings Medicare (HMO)
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Drug Coverage
The Cigna Preferred Full Savings Medicare (HMO) plan has an enhanced alternative drug benefit. This plan has no deductible for prescription drugs. In the initial coverage phase, you will pay either a copay or coinsurance depending on the drug tier and pharmacy you use. For example, preferred generic drugs have no copay at preferred pharmacies and preferred mail order. Standard generic drugs have a $47 copay, while preferred brand drugs have a $100 copay. Non-preferred drugs have 33% coinsurance.
Additional Benefits
The Cigna Preferred Full Savings Medicare (HMO) plan offers comprehensive coverage with a variety of benefits. This plan includes coverage for inpatient hospital stays with a $450 copay for days 1-4 and no copay for days 5-90, outpatient services with copays ranging from $0 to $375, and emergency services with a $110 copay. The plan also covers preventive, vision, and dental services, as well as home health services with no copay. Additional benefits include hearing services with a $45 copay for routine exams, and prescription hearing aids with a copay between $399 and $1800. You'll also have access to ambulance services with a $260 copay for ground transport and 20% coinsurance for air ambulance. The plan includes an OTC allowance, and covers other services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a $450 copay for days 1-4, and no copay for days 5-90. Additional days and non-Medicare-covered stays for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient Hospital Services have a copay of $0 to $375, Observation Services have a copay of $375, and Ambulatory Surgical Center (ASC) Services have no copay; Outpatient Substance Abuse services have a copay of $45 for both individual and group sessions.
Partial Hospitalization See details
Cigna Preferred Full Savings Medicare (HMO) covers partial hospitalization with an $80 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Cigna Preferred Full Savings Medicare (HMO) plan. Ground ambulance services have a $260 copay, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for up to 10 one-way trips per year, and services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services and Worldwide Emergency Coverage have a $110 copay, while Urgently Needed Services have a $45 copay; all have no coinsurance. Worldwide Emergency Services have a maximum plan benefit of $50,000.
Primary Care See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers primary care physician services, chiropractic services with a $15 copay, occupational therapy services with a $35 copay, physician specialist services with a $45 copay, physical therapy and speech-language pathology services with a $35 copay, and other health care professional services with a copay between $0 and $45. Mental health specialty services and psychiatric services individual and group sessions are not covered, and podiatry services are not covered. Additional telehealth benefits are available with a copay between $0 and $45, and opioid treatment program services are covered with a $45 copay.
Preventive Services See details
Preventive Services are covered, including Medicare-covered services with no copay. Annual physical exams and additional preventive services are covered. Some additional services, such as In-Home Safety Assessment, Personal Emergency Response System, and Medical Nutrition Therapy, are not covered.
Hearing Services See details
Hearing Services include routine hearing exams with a $45 copay, and fitting/evaluation for hearing aids. Prescription hearing aids (all types) are covered with a copay between $399 and $1800; however, prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are also not covered.
Vision Services See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers vision services, including eye exams with a copay of $0-$45, and eyewear with a combined maximum benefit of $100 per year. The plan also covers contact lenses, eyeglass lenses and frames, and upgrades.
Dental Services See details
Cigna Preferred Full Savings Medicare (HMO) covers dental services, including oral exams, dental x-rays, and other services, with a $500 maximum benefit per year. Medicare Dental Services have a $45 copay, and all other services have no copay or coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, you will pay a $35 copay, and between 0% and 20% coinsurance, while for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you will pay between 0% and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Cigna Preferred Full Savings Medicare (HMO) plan, but require prior authorization. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment is covered by the Cigna Preferred Full Savings Medicare (HMO) plan, with a 20% coinsurance for Durable Medical Equipment (DME), Medicare-covered Prosthetic Devices, and Medicare-covered Medical Supplies, and a 20% coinsurance for Diabetic Therapeutic Shoes/Inserts. Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including all diagnostic services, diagnostic procedures/tests, and lab services, are covered with a copay ranging from $0 to $75. Diagnostic Radiological Services have a copay of up to $325, while Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have a copay of $50.
Home Health Services See details
Home Health Services are covered by the Cigna Preferred Full Savings Medicare (HMO) plan with no copay and no coinsurance, but Additional Hours of Care and Personal Care Services are not covered. This benefit requires authorization.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with prior authorization, but specific services like Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered. The plan has a copay for the covered services, but the exact amount is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization. For days 1-20, there is no copay, but for days 21-100, the copay is $214.
Other Services See details
Other Services for Cigna Preferred Full Savings Medicare (HMO) includes Over-the-Counter (OTC) Items with a $25 allowance every three months, and a meal benefit for chronic or medical conditions that require the enrollee to remain at home. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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