A non-government entity
Cigna Preferred Savings Medicare (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna Preferred 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 Savings Medicare (HMO) in 2025, please refer to our full plan details page.
Cigna Preferred Savings Medicare (HMO) is a HMO plan offered by The Cigna Group available for enrollment in 2025 to people living in Palm Beach. This plan received an overall rating of 3 out of 5 stars in 2025.
It's important to know that Cigna Preferred 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 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 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 $120.00. 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.
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 $3100.00 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
The Cigna Preferred Savings Medicare (HMO) plan has an enhanced alternative drug benefit. The plan has no deductible for prescription drugs. In the initial coverage phase, you will pay a copay for your prescriptions. For preferred generic drugs, the copay is $4.00, and for standard generic drugs, the copay is $45.00. For preferred brand drugs, the copay is $100.00, and for non-preferred drugs, you pay 33% coinsurance. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase where you pay nothing for your drugs.
Additional Benefits
The Cigna Preferred Savings Medicare (HMO) plan offers comprehensive coverage, including inpatient and outpatient hospital services, with varying copays. Emergency and urgent care services have set copays, and transportation to health-related locations is available. The plan also includes coverage for primary care, preventive services, hearing, vision, and dental care, with specific copays and annual maximums for certain services. Additional benefits include home health services with no copay, skilled nursing facility care with copays after the first 20 days, and coverage for diagnostic and radiological services with copays or coinsurance. The plan also provides coverage for medical equipment, dialysis services, and home infusion services. Other services include OTC items and a meal benefit.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, with a copay of $165 for days 1-7, and no copay for days 8-90. Additional days for Inpatient Hospital-Acute are covered. Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient services are covered by the Cigna Preferred Savings Medicare (HMO) plan, including outpatient hospital services with a copay between $0 and $165, observation services with a $165 copay, and ambulatory surgical center services with no copay. Outpatient substance abuse services have a $20 copay for individual and group sessions, and outpatient blood services are covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna Preferred Savings Medicare (HMO) plan with a $100 copay, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground ambulance services have a $290 copay, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for up to 10 one-way trips per year, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services are covered by the Cigna Preferred Savings Medicare (HMO) plan, with a $135 copay and no coinsurance. Urgently Needed Services are also covered, with a $20 copay and no coinsurance. Worldwide Emergency Services are covered, with a $135 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, and a maximum plan benefit coverage of $50,000.
Primary Care See details
The Cigna Preferred Savings Medicare (HMO) plan covers primary care physician services, chiropractic services with a $15 copay, occupational therapy services with a $20 copay, and physician specialist services with a $20 copay. It also covers mental health specialty services and psychiatric services, although individual and group sessions are not covered. Physical therapy and speech-language pathology services have a $20 copay, and additional telehealth benefits have a copay between $0 and $20.
Preventive Services See details
The Cigna Preferred Savings Medicare (HMO) plan covers a variety of preventive services, including Medicare-covered services with no copay, annual physical exams, health education, and a fitness benefit. Other preventive services like in-home safety assessments, personal emergency response systems, and others are not covered.
Hearing Services See details
Hearing Services are covered, including hearing exams, fitting/evaluation for hearing aids, and prescription hearing aids. Routine hearing exams have a $20 copay per visit, fitting/evaluation for hearing aids has a copay of $0 per visit, and prescription hearing aids have a copay between $399 and $1800 per year, depending on the type of hearing aid. Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services, including eye exams, eyewear, and upgrades, are covered. Eye exams have a copay of $0-$20, contact lenses are covered with no copay, and eyewear has a combined maximum benefit of $150 per year.
Dental Services See details
Dental services are covered, including Medicare dental services with a $20 copay, and other dental services with a $1,500 annual maximum. Oral exams, dental x-rays, other diagnostic services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, 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, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Cigna Preferred Savings Medicare (HMO) plan, but require prior authorization and a doctor's referral. You will pay 20% coinsurance.
Medical Equipment See details
Medical equipment, including Durable Medical Equipment (DME), Prosthetics, and Medical Supplies are covered, with a 20% coinsurance for some services and no copay. Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered, while Diabetic Therapeutic Shoes/Inserts are covered with 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with prior authorization and a doctor referral required. Diagnostic Procedures/Tests have a copay between $0 and $75, Lab Services have no copay, Diagnostic Radiological Services have a copay up to $200, and Therapeutic Radiological Services have 20% coinsurance. Outpatient X-Ray Services are not covered.
Home Health Services See details
Home Health Services are covered by the Cigna Preferred 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 generally covered, but not covered in practice, including Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, and Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, along with any Additional Cardiac Rehabilitation Services. A doctor referral and prior authorization are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna Preferred 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 SNF stays are not covered.
Other Services See details
Other Services include Over-the-Counter (OTC) Items and a Meal Benefit. Over-the-Counter (OTC) Items are covered with a maximum benefit of $110 every three months, including Nicotine Replacement Therapy and Naloxone. The Meal Benefit is covered for chronic illnesses or medical conditions requiring the enrollee to stay at home. 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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