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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 Philadelphia. This plan received an overall rating of 3.5 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 $8200.00 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:
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Drug Coverage
The Cigna Preferred Full Savings Medicare (HMO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay a copay for your prescriptions, which varies based on the drug tier and pharmacy type, ranging from $4 to $100. If you qualify for the low-income subsidy, you will pay $0 for your Part D drugs. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, and you pay nothing for your Part D covered drugs. This plan offers an enhanced alternative drug benefit.
Additional Benefits
The Cigna Preferred Full Savings Medicare (HMO) plan offers a range of benefits with varying costs. Hospital stays have a copay, and outpatient services have copays that vary depending on the service. The plan also includes coverage for emergency services, primary care (with no copay for primary care physician services), preventive services, hearing and vision services, and dental services. Additional benefits include ambulance services, home health services with no copay, and home infusion services. The plan also covers skilled nursing facility services and offers a meal benefit. However, some services like cardiac rehabilitation and certain "other services" are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a $465 copay for days 1-4 and no copay for days 5-90. Additional days, non-Medicare-covered stays, and upgrades for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a copay of $0-$375, and observation services with a copay of $375. Ambulatory Surgical Center (ASC) Services have no copay. Individual and group outpatient substance abuse sessions each have a copay of $45. Outpatient blood services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna Preferred Full Savings Medicare (HMO) plan with an $80 copay, and prior authorization is required.
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 $255 copay, while air ambulance services have 20% coinsurance; transportation services to a plan-approved health-related location are covered for up to 20 one-way trips per year. 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 Preferred Full Savings Medicare (HMO) plan. Emergency Services and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $110 copay, while Urgently Needed Services have a $45 copay, and there is no coinsurance for any of these services.
Primary Care See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers primary care physician services with no copay, chiropractic services with a $15 copay, occupational therapy services with a $35 copay, and physician specialist services with a $45 copay. This plan also covers mental health specialty services and psychiatric services, but individual and group sessions are not covered, along with podiatry services being not covered. Other health care professional services have a copay between $0 and $45, physical therapy and speech-language pathology services have a $35 copay, and additional telehealth benefits have a copay between $0 and $45. Finally, opioid treatment program services have a $45 copay.
Preventive Services See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers preventive services, including no copay for Medicare-covered preventive services, annual physical exams, and additional preventive services. This plan also covers health education, support for caregivers, and fitness benefits. However, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and other services are not covered.
Hearing Services See details
Hearing exams are covered with a $25 copay. Prescription hearing aids (all types) are covered with a copay between $399 and $1800, while inner ear, outer ear, and over-the-ear hearing aids are 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, eyewear with a combined maximum benefit of $300 per year, and contact lenses. The plan also covers one routine eye exam, one pair of eyeglasses (lenses and frames), one pair of eyeglass lenses, and one eyeglass frame every year.
Dental Services See details
Dental Services are covered, including Medicare Dental Services with a $45 copay, and other services with a $1,500 maximum benefit per year. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and oral and maxillofacial surgery are covered with no copay or coinsurance. Orthodontic services are covered under Diagnostic and Preventive Dental.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but prior authorization is required. For Medicare Part B Insulin Drugs, there is a $35 copay, and the coinsurance ranges from 0% to 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Cigna Preferred Full Savings Medicare (HMO) plan, with a coinsurance of 20%. Prior authorization is required for coverage.
Medical Equipment See details
Medical Equipment benefits are covered by the Cigna Preferred Full Savings Medicare (HMO) plan. Durable Medical Equipment (DME) has a 20% coinsurance, and Prosthetic Devices and Medical Supplies have a 20% coinsurance, while Durable Medical Equipment for use outside the home, and Diabetic Supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a copay between $0 and $75, lab services with no copay, diagnostic radiological services with a copay up to $325, therapeutic radiological services with a $65 copay, and outpatient X-Ray services with a $50 copay. Prior authorization is required.
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. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Cigna Preferred Full Savings Medicare (HMO) plan. The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Cigna Preferred Full Savings Medicare (HMO) plan, but require prior authorization. You will have no copay for days 1-20, and a $214 copay for days 21-100. Additional days beyond Medicare-covered SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services are generally not covered, as 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 are not covered. The meal benefit is covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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