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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 Birmingham. This plan received an overall rating of 4.5 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 $5750.00 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:
Sign up for Cigna Preferred Full Savings Medicare (HMO)
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Drug Coverage
The Cigna Preferred Full Savings Medicare (HMO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay a copay for your prescriptions. For example, preferred generic drugs have a $10 copay at preferred pharmacies. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered Part D drugs. This plan may also have a reduced premium if you qualify for the low-income subsidy.
Additional Benefits
The Cigna Preferred Full Savings Medicare (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services include copays for some services and no copay for others. The plan also covers preventive, hearing, vision, and dental services, with specific copays and maximum benefits for these services. Additional benefits include ambulance services, emergency services, and coverage for primary care, home health, and medical equipment, each with its own cost structure. The plan also offers coverage for diagnostic and radiological services, skilled nursing facilities, and other services, with some requiring prior authorization or having associated copays and coinsurance.
Inpatient Hospital See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers Inpatient Hospital services including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you will pay a $445 copay for days 1-5, and no copay for days 6-90; for Inpatient Hospital Psychiatric, you will pay a $450 copay for days 1-5, and no copay for days 6-90. Additional days for Inpatient Hospital-Acute are covered, while 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 are covered, including outpatient hospital services with a copay between $0 and $400, observation services with a $445 copay, ambulatory surgical center services with no copay, and outpatient substance abuse services with a $40 copay for both individual and group sessions. Outpatient blood services are also covered, with a waived three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered under the Cigna Preferred Full Savings Medicare (HMO) plan, but requires prior authorization. The copay for this benefit is $105.
Ambulance and Transportation Services See details
Ambulance and Transportation Services include coverage for ground ambulance services with a $250 copay and air ambulance services with 20% coinsurance, but Transportation Services to any health-related location are not covered. All ambulance services require prior authorization.
Emergency Services See details
Emergency services are covered by the Cigna Preferred Full Savings Medicare (HMO) plan, with a $125 copay and no coinsurance. Urgently needed services have a $55 copay and no coinsurance, and worldwide emergency services have a $125 copay and no coinsurance for each of its sub-services.
Primary Care See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers Primary Care Physician services, Occupational Therapy Services, Physician Specialist Services, Other Health Care Professional, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services. Chiropractic Services are covered with a $20 copay, while Routine Chiropractic Care is not covered, and Podiatry services are not covered. Occupational Therapy Services, Physician Specialist Services, Physical Therapy and Speech-Language Pathology Services have a $40 copay. Other Health Care Professional services have a copay between $0 and $40. Additional Telehealth Benefits have a copay between $0 and $40, while Opioid Treatment Program Services have a $40 copay. Mental Health Specialty Services, including individual and group sessions, and Psychiatric Services, including individual and group sessions, are not covered.
Preventive Services See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers preventive services, including Medicare-covered services, annual physical exams, health education, kidney disease education services, and other preventive services like glaucoma screenings and diabetes self-management training. However, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and several other services are not covered.
Hearing Services See details
Hearing services include routine hearing exams with a $25 copay, and fitting/evaluation for hearing aids, each available once per year. Prescription hearing aids (all types) are covered with a copay between $399 and $1800, but inner ear, outer ear, and over-the-ear hearing aids are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services are covered, including eye exams and eyewear. Eye exams have a copay between $0 and $40, and routine eye exams are covered once per year. Eyewear is covered with a combined maximum benefit of $225 per year, and contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are all covered.
Dental Services See details
Dental services are covered, with a $40 copay for Medicare dental services. Other dental services include 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. This plan has a maximum benefit of $1,200 every year for dental services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay, with a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, coinsurance ranges between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Cigna Preferred Full Savings Medicare (HMO) plan, but require prior authorization. You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by the Cigna Preferred Full Savings Medicare (HMO) plan, with Durable Medical Equipment (DME) subject to 20% coinsurance, and Prosthetic Devices and Medical Supplies subject to 20% coinsurance. Diabetic Equipment is covered, but Diabetic Supplies are not covered, and Diabetic Therapeutic Shoes/Inserts are subject to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with some services requiring prior authorization. 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 copay of $80, and Outpatient X-Ray Services have no copay.
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 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.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with 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 SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services include Over-the-Counter (OTC) Items and Meal Benefits. 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. OTC items are covered up to $35 every three months, and the plan offers nicotine replacement therapy and Naloxone.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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