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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 Mobile. 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 an enhanced alternative drug benefit. The plan has a $0 deductible for prescription drugs. In the initial coverage phase, you will pay a copay for your prescriptions. For preferred generic drugs, the copay is $10 at a preferred pharmacy and $20 at a standard pharmacy. For standard generic drugs, the copay is $47. For preferred brand drugs, the copay is $100. For non-preferred drugs, you pay 33% coinsurance. After your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for your drugs.
Additional Benefits
The Cigna Preferred Full Savings Medicare (HMO) plan offers a range of benefits, including inpatient hospital stays with a copay, outpatient services, and emergency care with varying copays. This plan also covers primary care, preventive services, and home health services, often with no copay. Additional benefits include hearing, vision, and dental coverage with specific copays and annual maximums. The plan also covers medical equipment, diagnostic services, and skilled nursing facility stays, and offers an over-the-counter (OTC) benefit and a meal benefit.
Inpatient Hospital See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers inpatient hospital stays, including services not usually covered by Medicare plans, with a copay of $410 per day for days 1-5, and no copay for days 6-90. Inpatient Hospital Psychiatric benefits are also covered, with a copay of $450 per day for days 1-5, and no copay for days 6-90; however, "Additional Days for Inpatient Hospital Psychiatric" and "Non-Medicare-covered Stay for Inpatient Hospital Psychiatric" are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, observation services, and outpatient substance abuse services, are covered by the Cigna Preferred Full Savings Medicare (HMO) plan. Outpatient hospital services have a copay between $0-$400, observation services have a $410 copay, and individual and group outpatient substance abuse sessions have a $40 copay. Ambulatory Surgical Center services have no copay, and outpatient blood services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna Preferred Full Savings Medicare (HMO) plan. You will have a $105 copay for this benefit, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Cigna Preferred Full Savings Medicare (HMO) plan, with a $250 copay for ground ambulance services and a 20% coinsurance for air ambulance services. 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 Full Savings Medicare (HMO) plan. Emergency Services and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have a $125 copay, while Urgently Needed Services has a $55 copay; there is no coinsurance for any of these services.
Primary Care See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers primary care, chiropractic services with a $20 copay, occupational therapy with a $40 copay, specialist services with a $40 copay, and physical therapy with a $40 copay. Mental health services, podiatry services, and psychiatric services are partially covered, with individual and group sessions not covered. Additionally, additional telehealth benefits are covered with a copay ranging from $0 to $40, and opioid treatment program services are covered with a copay of $40.
Preventive Services See details
Preventive services are covered, including Medicare-covered services with no copay, annual physical exams, health education, Kidney Disease Education Services, and other preventive services such as glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following welcome visits. However, in-home safety assessments, personal emergency response systems (PERS), medical nutrition therapy (MNT), post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services are not covered. The plan also includes a fitness benefit.
Hearing Services See details
Hearing services include routine hearing exams with a $25 copay and fitting/evaluation for hearing aids. Prescription hearing aids (all types) are covered with a minimum copay of $399 and a maximum copay of $1800, while prescription hearing aids for the inner, outer, and over-the-ear 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, while eyewear has a combined maximum benefit of $225 per year.
Dental Services See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers Medicare Dental Services with a $40 copay, and other dental services including oral exams, dental x-rays, and more, with a maximum plan benefit of $1150 per year. Orthodontic Services are covered under Diagnostic and Preventive Dental.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, you pay a $35 copay and between 0% and 20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you pay between 0% and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Cigna Preferred Full Savings Medicare (HMO) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits are covered by the Cigna Preferred Full Savings Medicare (HMO) plan, including Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Therapeutic Shoes/Inserts with 20% coinsurance. 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 by Cigna Preferred Full Savings Medicare (HMO), with a copay for diagnostic procedures/tests ranging from $0 to $100, and no copay for lab services. Therapeutic radiological services have a copay of $80, while diagnostic radiological services have a copay that is at most $100; 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, although 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 specific services including Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered. 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. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other services include coverage for over-the-counter (OTC) items and a meal benefit, while acupuncture, Dual Eligible SNPs with Highly Integrated Services, and many other services are not covered. The OTC benefit provides up to $35 every three months, and includes nicotine replacement therapy and Naloxone coverage.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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