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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 Houston. 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 $7500.00 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 or coinsurance depending on the drug tier and pharmacy type. For example, preferred generic drugs have no copay at preferred pharmacies and preferred mail order, and a $10 copay at standard pharmacies and standard mail order. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Cigna Preferred Full Savings Medicare (HMO) plan offers a variety of benefits, including inpatient and outpatient hospital care, with varying copays for specific services. You'll also have access to primary care, preventive, hearing, vision, and dental services, each with its own cost structure, such as copays for exams or a maximum benefit for eyewear. The plan also covers ambulance services, emergency services, and medical equipment, as well as home health and skilled nursing facilities.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care, with a copay of $340 for days 1-6 of acute care and $320 for days 1-5 of psychiatric care, and no copay for days 7-90 of acute care and days 6-90 of psychiatric care. Non-Medicare-covered stays and upgrades for inpatient hospital acute and additional days for inpatient hospital psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a copay between $0 and $350, Observation Services with a $350 copay, and Ambulatory Surgical Center (ASC) Services with no copay. Outpatient Substance Abuse Services have a copay of $55 for both Individual and Group Sessions, and Outpatient Blood Services are covered, with a waived three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna Preferred Full Savings Medicare (HMO) plan, with a copay of $80.00. 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. Ground Ambulance Services have a $250 copay, while Air Ambulance Services have a 20% coinsurance; however, 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, Urgent Coverage, and Transportation have a $110 copay, while Urgently Needed Services have a $35 copay; all have no coinsurance.
Primary Care See details
Primary Care for the Cigna Preferred Full Savings Medicare (HMO) plan covers Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Other Health Care Professional, Physical Therapy, Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services. Chiropractic Services have a $15 copay, Physician Specialist Services have a $55 copay, Occupational Therapy Services and Physical Therapy/Speech-Language Pathology Services have a $35 copay, and Additional Telehealth Benefits have a copay between $0 and $55. The plan does not cover Routine Chiropractic Care, Individual Sessions for Mental Health Specialty Services, Group Sessions for Mental Health Specialty Services, Podiatry Services, Individual Sessions for Psychiatric Services, or Group Sessions for Psychiatric Services.
Preventive Services See details
Preventive services, including annual physical exams, additional preventive services, and kidney disease education services, are covered. Some additional preventive services, such as in-home safety assessments, are not covered.
Hearing Services See details
The Cigna Preferred Full Savings Medicare (HMO) plan covers hearing exams with a $45 copay, routine hearing exams (1 per year), and fitting/evaluation for hearing aids (1 per year). Prescription hearing aids 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
The Cigna Preferred Full Savings Medicare (HMO) plan covers vision services, including routine eye exams with a copay between $0 and $45. Eyewear is covered, with a combined maximum benefit of $100 every year. Contact lenses, eyeglass lenses, and eyeglass frames are also covered.
Dental Services See details
Dental services are covered, including Medicare dental services with a $55 copay, other dental services with a $20,000 maximum benefit per year, and specific preventive and restorative services. Oral exams, cleaning, and fluoride treatments are covered with a limited number of visits per year, while services such as maxillofacial prosthetics, implant services, and orthodontics are not covered. Restorative services have a copay between $0 and $550, while adjunctive general services have a copay between $0 and $285. Endodontics have a copay between $0 and $675, periodontics have a copay between $0 and $595, prosthodontics (removable) have a copay between $25 and $615, and prosthodontics (fixed) have a copay between $50 and $525.
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. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Cigna Preferred Full Savings Medicare (HMO) plan, but require prior authorization and a doctor's referral. You will pay 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 a 20% coinsurance and Prosthetic Devices subject to a 20% coinsurance. Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered, while Medical Supplies have a 20% coinsurance and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay between $0 and $50, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $300, Therapeutic Radiological Services with a $60 copay, and Outpatient X-Ray Services with a $10 copay. Prior authorization and a doctor referral are required.
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, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Cigna Preferred Full Savings Medicare (HMO) plan. Prior authorization and a doctor referral are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna Preferred Full 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. 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, but acupuncture and several other services are not covered. The OTC benefit provides up to $30 every three months for items like nicotine replacement therapy and Naloxone.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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