A non-government entity
Cigna Preferred Savings Medicare (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna Preferred 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 Savings Medicare (HMO) in 2025, please refer to our full plan details page.
Cigna Preferred Savings 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 Preferred 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 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 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 $75.00. 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.
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 $6200.00 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 Savings Medicare (HMO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you will pay a copay for your prescriptions, depending on the drug tier and pharmacy. For preferred generic drugs, the copay is $10 at a preferred pharmacy and $20 at a standard pharmacy. For preferred brand drugs, the copay is $100, regardless of the pharmacy. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The Cigna Preferred Savings Medicare (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $340 copay for days 1-6, and then no copay for the remainder of the stay. Emergency services have a $125 copay, while primary care visits have no copay. This plan includes coverage for outpatient services, with copays ranging from $0-$350, as well as vision, hearing, and dental services. Hearing exams have a $30 copay, and prescription hearing aids are covered with a copay between $399 and $1800. Dental services have a $45 copay for Medicare-covered services, and a $1,050 maximum benefit per year for other dental services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a copay of $340 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 include coverage for all outpatient hospital services, with a copay ranging from $0 to $350, and observation services with a $275 copay. Ambulatory Surgical Center (ASC) services have no copay, while outpatient substance abuse services have a $45 copay for both individual and group sessions. Outpatient blood services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna Preferred Savings Medicare (HMO) plan, but requires prior authorization. You will pay a $105 copay for this service.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Cigna Preferred Savings Medicare (HMO) plan. Ground ambulance services have a $285 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 under the Cigna Preferred Savings Medicare (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $125 copay, and Urgently Needed Services have a $50 copay, with no coinsurance for any of these services. Worldwide Emergency Services has a maximum plan benefit coverage of $50,000.
Primary Care See details
The Cigna Preferred Savings Medicare (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay (routine care is not covered), occupational therapy services with a $30 copay, physician specialist services with a $45 copay, and physical therapy and speech-language pathology services with a $30 copay. Additionally, mental health and psychiatric services are partially covered as individual and group sessions are not covered, podiatry services are not covered, and other health care professional services and opioid treatment program services have a copay between $0-$45. Additional telehealth benefits are covered with a copay between $0-$45.
Preventive Services See details
The Cigna Preferred Savings Medicare (HMO) plan covers preventive services including Medicare-covered services, annual physical exams, health education, kidney disease education services, and other preventive services. Fitness Benefit is covered, and the plan does not cover in-home safety assessments, Personal Emergency Response Systems, Medical Nutrition Therapy, and several other services.
Hearing Services See details
Hearing services are covered by the Cigna Preferred Savings Medicare (HMO) plan, including routine hearing exams for a $30 copay, and the fitting/evaluation for hearing aids. Prescription hearing aids (all types) are covered, with a copay between $399 and $1800. Prescription Hearing Aids - Inner Ear, Outer Ear, and Over the Ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams, with a copay of $0-$45, and eyewear such as contact lenses, eyeglasses (lenses and frames), and upgrades. Eyewear has a combined maximum benefit of $100 per year.
Dental Services See details
Dental Services are covered, including Medicare Dental Services with a $45 copay, and other dental services with a $1,050 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, oral and maxillofacial surgery, and orthodontics are covered.
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 0-20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you will pay 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Cigna Preferred Savings Medicare (HMO) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
The Cigna Preferred Savings Medicare (HMO) plan covers Durable Medical Equipment, Prosthetic Devices, and Medical Supplies with a 20% coinsurance, but does not have a copay. Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance. Diabetic Supplies and Durable Medical Equipment for use outside the home are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Cigna Preferred Savings Medicare (HMO) plan, including Diagnostic Procedures/Tests with a copay between $0 and $150, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $200, Therapeutic Radiological Services with at least 20% coinsurance, and Outpatient X-Ray Services with no copay. All services require prior authorization.
Home Health Services See details
Home Health Services are covered by the Cigna Preferred Savings Medicare (HMO) plan with no copay and no coinsurance, but authorization is required. 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 Savings Medicare (HMO) plan, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna Preferred Savings Medicare (HMO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214 per day; additional days beyond Medicare-covered, and non-Medicare-covered stays, are not covered.
Other Services See details
Other Services include coverage for over-the-counter (OTC) items, with a maximum benefit of $35.00 every three months, and meal benefits for chronic illnesses or medical conditions. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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