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 South Florida. This plan received an overall rating of 3 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 $130.00. 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 $3400.00 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 a range of benefits with varying cost-sharing. Hospital stays have a copay of $395 for days 1-5, with no copay for days 6-90. Outpatient services, including primary care visits, have copays ranging from $0 to $375, while emergency services have a $135 copay. Additional benefits include coverage for hearing, vision, and dental services with copays and annual maximums. The plan also covers home health services with no copay, and skilled nursing facility stays with a copay after 20 days. The plan includes other services such as ambulance and transportation, as well as home infusion and medical equipment.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered under the Cigna Courage Medicare (HMO) plan. For days 1-5, there is a $395 copay, and for days 6-90, there is no copay.
Outpatient Services See details
Outpatient Services are covered, including outpatient hospital services with a copay between $0 and $375, observation services with a $395 copay, and ambulatory surgical center services with no copay. Outpatient substance abuse individual and group sessions have a copay between $50 and $50. Outpatient blood services are also covered.
Partial Hospitalization See details
Cigna Courage Medicare (HMO) covers partial hospitalization with a $100 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered. Ground ambulance services have a $285 copay, while air ambulance services have 20% coinsurance. Transportation services to a plan-approved health-related location are covered for up to 10 one-way trips per year. Transportation services to any other health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by Cigna Courage Medicare (HMO). Emergency Services and Worldwide Emergency Coverage have a $135 copay, and Urgently Needed Services has a $65 copay, and there is no coinsurance for any of these services. Worldwide Emergency Services has a maximum plan benefit of $50,000.
Primary Care See details
Primary Care Physician Services have a $10 copay, Chiropractic Services have a $20 copay, and Occupational Therapy Services have a $50 copay. Physician Specialist Services have a $50 copay, while Individual and Group Sessions for Mental Health Specialty Services are not covered. Physical Therapy and Speech-Language Pathology Services have a $50 copay. Additional Telehealth Benefits have a copay between $0 and $50, and Opioid Treatment Program Services have a copay between $50.
Preventive Services See details
The Cigna Courage Medicare (HMO) plan covers preventive services, including an annual physical exam with a $10 copay, and also covers health education, support for caregivers, and fitness benefits. Some services, such as in-home safety assessments, Personal Emergency Response Systems, and several others are not covered.
Hearing Services See details
Hearing exams require a doctor's referral and have a $30 copay, with routine hearing exams and fitting/evaluation for hearing aids covered once per year. Prescription hearing aids are covered, with a copay between $399 and $1800 for all types of hearing aids, but inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision services include coverage for eye exams with a copay of $0-$50, and for eyewear, including contact lenses, eyeglasses, and upgrades. Eyewear has a combined maximum benefit of $150 per year.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with a $50 copay, and Other Dental Services with a $2,000 maximum benefit per year. The plan also covers 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, Oral and Maxillofacial Surgery, and Orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Cigna Courage Medicare (HMO) plan. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%, while for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with a 20% coinsurance. Prior authorization and a doctor referral are required.
Medical Equipment See details
Medical Equipment is covered by Cigna Courage Medicare (HMO), including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices with 20% coinsurance, while Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered. Medical Supplies and Diabetic Therapeutic Shoes/Inserts are covered with 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including all diagnostic services and radiological services, are covered, but require prior authorization and a doctor referral. Diagnostic Procedures/Tests have a copay between $0 and $275, Lab Services have no copay, Diagnostic Radiological Services have a copay of at most $275, Therapeutic Radiological Services have a $60 copay, and Outpatient X-Ray Services have a $20 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 not covered by the Cigna Courage Medicare (HMO) plan. This includes 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.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna Courage Medicare (HMO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214.
Other Services See details
Other Services are partially covered by the Cigna Courage Medicare (HMO) plan, but acupuncture, over-the-counter items, 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. The plan does provide a meal benefit for chronic illnesses and for medical conditions that require the enrollee to remain at home for a period of time.
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