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 Tennessee. This plan received an overall rating of 4.5 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. Additionally, this plan comes with a Part B Premium reduction of $100.00. 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.
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 $3900.00 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
Prescription drugs are not covered by Cigna Courage Medicare (HMO).
Additional Benefits
The Cigna Courage Medicare (HMO) plan provides coverage for a wide range of services. This plan covers inpatient hospital stays with a $250 copay for days 1-5, and no copay for days 6-90. Outpatient services, including vision and dental, are covered with varying copays, while hearing exams have a $30 copay. This plan also offers coverage for ambulance services, with a $290 copay for ground transport and 20% coinsurance for air transport. Additionally, the plan includes coverage for home health services with no copay, and covers some medical equipment with a 20% coinsurance. The plan also offers an Over-the-Counter (OTC) benefit with a maximum of $100 every three months.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered. For days 1-5, there is a $250 copay, and days 6-90 have no copay.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, are covered by Cigna Courage Medicare (HMO). Observation services have a $150 copay, while outpatient hospital services have a copay between $0 and $150. Ambulatory Surgical Center (ASC) Services have no copay, and Outpatient Substance Abuse Services have a $30 copay for both individual and group sessions. Outpatient Blood Services are also covered.
Partial Hospitalization See details
Cigna Courage Medicare (HMO) covers partial hospitalization with a $105 copay, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground ambulance services have a copay of $290, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for up to 24 one-way trips per year, and other transportation services 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, Urgent Coverage, and Transportation have a $140 copay, while Urgently Needed Services have a $30 copay; all have no coinsurance.
Primary Care See details
Primary Care benefits for Cigna Courage Medicare (HMO) include coverage for Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services. Chiropractic Services have a $20 copay, Physician Specialist Services have a $30 copay, Occupational Therapy Services have a $30 copay, Physical Therapy and Speech-Language Pathology Services have a $30 copay, and Other Health Care Professional and Opioid Treatment Program Services have a copay between $30. Additional Telehealth Benefits have a copay between $0 and $30. Individual and group sessions for Mental Health Specialty Services and Psychiatric Services are not covered, and Routine Chiropractic Care is not covered.
Preventive Services See details
The Cigna Courage Medicare (HMO) plan covers preventive services, including annual physical exams and additional preventive services. Health education, and fitness benefits are covered, however, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and many other services are not covered.
Hearing Services See details
Hearing exams are covered with a $30 copay, and routine hearing exams and fitting/evaluation for hearing aids are covered once per year. Prescription hearing aids are covered with a copay between $399 and $1800 for all types of hearing aids, but not for inner ear, outer ear, or over the ear hearing aids. OTC hearing aids are not covered.
Vision Services See details
Vision services are covered by the Cigna Courage Medicare (HMO) plan, including routine eye exams with a copay of $0-$30. Eyewear is also covered, with a combined maximum benefit of $200 per year, while contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are covered.
Dental Services See details
Dental Services are covered, with a $30 copay for Medicare Dental Services. This plan covers 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), Maxillofacial Prosthetics, Implant Services, Prosthodontics (fixed), Oral and Maxillofacial Surgery, and Orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay with coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance is between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with prior authorization. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment benefits are covered under the Cigna Courage Medicare (HMO) plan, with no copay, but Durable Medical Equipment (DME) requires a 20% coinsurance, and Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies are covered with a 20% coinsurance, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance, while Diabetic Supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under 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 $100, Therapeutic Radiological Services have a $60 copay, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Cigna Courage Medicare (HMO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Cigna Courage Medicare (HMO) plan, but the specific 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, the copay is $214.
Other Services See details
The Cigna Courage Medicare (HMO) plan covers Over-the-Counter (OTC) items with a maximum benefit coverage amount of $100 every three months, and a meal benefit for a chronic illness or medical condition. Acupuncture, Dual Eligible SNPs, 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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