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 North Georgia. 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 offers comprehensive coverage, including inpatient hospital stays with a copay, outpatient services with varying copays, and partial hospitalization with a $105 copay. Emergency, urgent, and worldwide emergency services are covered with copays. Additionally, the plan includes coverage for primary care, preventive services, hearing, vision, and dental services, with specific copays and benefits outlined for each. This plan also provides benefits for ambulance services, diagnostic and radiological services, home health services, and skilled nursing facilities, with specific cost-sharing requirements. Other covered services include medical equipment, home infusion, and cardiac rehabilitation, while it also provides an over-the-counter benefit and a meal benefit for chronic illnesses. However, certain services like additional days in the hospital, transportation to health-related locations, and various other services are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a copay of $270 for days 1-5 and no copay for days 6-90 for Inpatient Hospital-Acute, and a copay of $300 for days 1-5 and no copay for days 6-90 for Inpatient Hospital Psychiatric. Additional days, and non-Medicare covered stays for both 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 between $0 and $150, observation services with a $100 copay, and Ambulatory Surgical Center (ASC) services with no copay. Outpatient Substance Abuse services are covered with a $30 copay for both individual and group sessions, and outpatient blood services are also covered.
Partial Hospitalization See details
Cigna Courage Medicare (HMO) covers partial hospitalization with a $105 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Cigna Courage Medicare (HMO) plan. Ground ambulance services have a $220 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, Urgent Coverage, and Transportation have a $140 copay, while Urgently Needed Services has a $30 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 Courage Medicare (HMO) plan covers primary care services, chiropractic services with a $20 copay, occupational therapy with a $15 copay, physician specialist services with a $30 copay, and physical therapy with a $15 copay. Mental health and psychiatric services are covered, but individual and group sessions are not covered. Additional telehealth benefits are available with a copay between $0 and $30, and other healthcare professional services and opioid treatment program services are covered with copays that vary.
Preventive Services See details
The Cigna Courage Medicare (HMO) plan covers preventive services including annual physical exams, health education, kidney disease education services, and other preventive services such as glaucoma screenings and diabetes self-management training. Some services, such as in-home safety assessments and weight management programs, are not covered.
Hearing Services See details
Hearing Services include hearing exams with a $30 copay, routine hearing exams once per year, and fitting/evaluation for hearing aids once per year. Prescription hearing aids (all types) are covered with a copay between $399 and $1800 for two visits per year; however, 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. Contact lenses and upgrades are covered, and this plan covers one pair of eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames every year.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with a $30 copay, and other dental services including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, orthodontic services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, oral and maxillofacial surgery, and orthodontics. There is a $2,000 maximum plan benefit each year.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay and 0-20% coinsurance, while the other services have 0-20% coinsurance.
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 benefits under the Cigna Courage Medicare (HMO) plan include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, and Prosthetics/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 under the Cigna Courage Medicare (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $100, Lab Services have no copay, Diagnostic Radiological Services have a copay of up to $100, Therapeutic Radiological Services have a copay of $60, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by Cigna Courage Medicare (HMO) 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, but not the sub-services of Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered for SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services include Over-the-Counter (OTC) items, with a maximum benefit of $75 every three months, and a meal benefit for chronic illness or medical conditions, while 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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