A non-government entity
Cigna Courage Medicare (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna Courage Medicare (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Cigna Courage Medicare (HMO) in 2025, please refer to our full plan details page.
Cigna Courage Medicare (HMO) is a HMO plan offered by The Cigna Group available for enrollment in 2025 to people living in New Jersey. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that Cigna Courage Medicare (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Cigna Courage 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 Courage 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.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $5400.00 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 Courage Medicare (HMO)
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Drug Coverage
Prescription drugs are not covered by Cigna Courage Medicare (HMO).
Additional Benefits
The Cigna Courage Medicare (HMO) plan provides comprehensive coverage, including inpatient and outpatient hospital services, with varying copays. It also covers emergency, primary care, preventive, hearing, vision, and dental services, each with specific copayments. Additional benefits include ambulance services, home health, and medical equipment with coinsurance, as well as partial hospitalization and skilled nursing facility stays with copays. This plan offers a range of other covered services, like home infusion, dialysis, and diagnostic procedures. However, some services like certain hearing aids, eyewear, and other services such as acupuncture and private duty nursing are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a copay of $320 for days 1-6, and no copay for days 7-90. Additional days for Inpatient Hospital-Acute, Non-Medicare-covered Stay for Inpatient Hospital-Acute, Upgrades for Inpatient Hospital-Acute, Additional Days for Inpatient Hospital Psychiatric, and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered by Cigna Courage Medicare (HMO), including outpatient hospital services with a copay between $0 and $320, observation services with a $320 copay, Ambulatory Surgical Center (ASC) Services with no copay, and outpatient substance abuse services with a $40 copay for both individual and group sessions. Outpatient blood services are also covered.
Partial Hospitalization See details
Partial hospitalization is covered by the Cigna Courage Medicare (HMO) plan, but prior authorization is required. This benefit has an $80 copay.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered. Ground ambulance services have a $250 copay, while air ambulance services have a 20% coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Cigna Courage Medicare (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $125 copay, while Urgently Needed Services have a $55 copay, and all services have no coinsurance.
Primary Care See details
Primary Care Physician Services have a $5 copay, Chiropractic Services have a $15 copay, and Occupational Therapy Services have a $35 copay. Physician Specialist Services have a $40 copay, while Physical Therapy and Speech-Language Pathology Services have a $35 copay. Additional Telehealth Benefits range from no copay to a $40 copay. Opioid Treatment Program Services have a copay that ranges from $40. Mental Health Specialty Services, Podiatry Services, and Psychiatric Services do not cover individual or group sessions. Other Health Care Professional services have a copay that ranges from $5 to $40.
Preventive Services See details
The Cigna Courage Medicare (HMO) plan covers preventive services, including an annual physical exam with a $5 copay. Additional preventive services like home and bathroom safety devices and modifications are covered, with a maximum plan benefit of $1500.
Hearing Services See details
Hearing exams are covered with a $25 copay, including routine hearing exams and fitting/evaluation for hearing aids. Prescription hearing aids are partially covered, with a copay between $399 and $1800 for all types of hearing aids, but inner ear, outer ear, and over the ear hearing aids are not covered. OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams with a copay between $0 and $40, and routine eye exams once per year. Eyewear is also covered, but contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The Cigna Courage Medicare (HMO) plan covers a range of dental services, including oral exams with a $40 copay, dental x-rays, and other diagnostic services, but does not cover maxillofacial prosthetics, implants, or orthodontics. Restorative, adjunctive general, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery services are covered with varying copays, while preventive services like cleanings and fluoride treatments are also covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Cigna Courage Medicare (HMO) plan, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Cigna Courage Medicare (HMO) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment coverage under the Cigna Courage Medicare (HMO) plan includes Durable Medical Equipment with 20% coinsurance and Prosthetic Devices and Medical Supplies, both with a 20% coinsurance. The plan does not cover Durable Medical Equipment for use outside the home or Diabetic Supplies, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Cigna Courage Medicare (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $100, while Lab Services have no copay. Diagnostic Radiological Services have a copay up to $195, Therapeutic Radiological Services have a $60 copay, and Outpatient X-Ray Services have a $35 copay.
Home Health Services See details
Home Health Services are covered by the Cigna Courage Medicare (HMO) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Cigna Courage Medicare (HMO) plan, but the specific services of Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Cigna Courage Medicare (HMO), but require prior authorization. For days 1-20, there is no copay, and for days 21-100, there is a $214 copay.
Other Services See details
Other Services are not covered, including acupuncture, over-the-counter items, 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. The plan does offer a Meal Benefit for a chronic illness or medical condition that requires the enrollee to remain at home for a period of time.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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