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 Arkansas. 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 $80.00. 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 $4500.00 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 offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have copays that vary by service. Emergency services have a copay, and primary care visits are covered with no copay. The plan also covers preventive, hearing, vision, and dental services, with copays and annual maximums applying to some services. Additional benefits include coverage for home health, medical equipment, and diagnostic services, with specific copays and coinsurance amounts. The plan also includes coverage for Over-the-Counter (OTC) Items.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric, are covered. For the first 6 days, there is a $295 copay, and days 7-90 have no copay; there is no coinsurance. Additional days for inpatient hospital acute and psychiatric stays, as well as non-Medicare-covered stays, are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services, are covered. Outpatient Hospital Services have a copay between $0 and $295, Observation Services have a $295 copay, Ambulatory Surgical Center (ASC) Services have no copay, and both Individual and Group Sessions for Outpatient Substance Abuse have a copay of $35. Outpatient Blood Services include an enhanced benefit of three waived pints.
Partial Hospitalization See details
Cigna Courage Medicare (HMO) covers partial hospitalization with a $105 copay, and requires prior authorization.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the Cigna Courage Medicare (HMO) plan. Ground ambulance services have a $290 copay, while air ambulance services have a 20% coinsurance; transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Cigna Courage Medicare (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $125 copay, while Urgently Needed Services have a $30 copay; all have no coinsurance. Worldwide Emergency Services has a maximum plan benefit coverage of $50,000.
Primary Care See details
The Cigna Courage Medicare (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $35 copay, and physical therapy and speech-language pathology services with a $35 copay. The plan also covers physician specialist services with a $35 copay, other health care professional services with a copay between $0-$35, and opioid treatment program services with a $35 copay. Individual and group sessions for mental health specialty services and psychiatric services are not covered, and podiatry services are not covered.
Preventive Services See details
The Cigna Courage Medicare (HMO) plan covers preventive services, including annual physical exams, health education, and fitness benefits. Some additional services like in-home safety assessments and personal emergency response systems are not covered.
Hearing Services See details
Hearing Services include routine hearing exams with a $35 copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids (all types) are covered with a copay between $399 and $1800, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services are covered, including routine eye exams with a copay between $0 and $30. Eyewear is covered up to a combined maximum of $200 per year, and contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are also covered.
Dental Services See details
The Cigna Courage Medicare (HMO) plan covers dental services with a $2,500 annual maximum. Medicare dental services have a $35 copay, and Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, and Other Preventive Dental Services are covered. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics, Implant Services, Oral and Maxillofacial Surgery, and Orthodontics 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. Medicare Part B Insulin Drugs have a $35 copay with 0-20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Cigna Courage Medicare (HMO) plan and require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by the Cigna Courage Medicare (HMO) plan, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices with a 20% coinsurance; however, Durable Medical Equipment for use outside the home is not covered. Diabetic Equipment is also covered, but Diabetic Supplies are not covered, while Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including diagnostic procedures and tests, lab services, and outpatient X-ray services, are covered by the Cigna Courage Medicare (HMO) plan. Diagnostic procedures and tests have a copay between $0 and $150, while lab services and outpatient X-rays have no copay; therapeutic radiological services have a copay of $60, and diagnostic radiological services have a copay of at most $150.
Home Health Services See details
Home Health Services are covered by the Cigna Courage Medicare (HMO) plan with no copay and no coinsurance, although prior authorization is required. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but 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. Prior authorization is required, and there is a copay for the covered services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna Courage Medicare (HMO) plan. There is no copay for days 1-20, and the copay is $214 per day for days 21-100.
Other Services See details
The Cigna Courage Medicare (HMO) plan covers Over-the-Counter (OTC) Items with a maximum benefit of $100 every three months, including Nicotine Replacement Therapy (NRT) and Naloxone. 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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