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 Las Vegas. This plan received an overall rating of 2.5 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 $110.00. 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 $2900.00 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 Savings Medicare (HMO)
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Drug Coverage
The Cigna Preferred Savings Medicare (HMO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay a copay for your prescriptions, depending on the drug tier and whether you use a preferred or standard pharmacy. For example, preferred generic drugs have a $4 copay, while standard generic drugs have a $45 copay. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you will pay nothing for your Part D covered drugs. You may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Cigna Preferred Savings Medicare (HMO) plan offers a range of benefits, including inpatient hospital stays with a $150 copay for the first six days and no copay thereafter, as well as outpatient services with varying copays. The plan also covers emergency services, primary care, preventive services, and home health services with no copay. Additional benefits include hearing and vision services, with copays ranging from $0 to $15 for exams and up to $150 annually for eyewear. Dental services have a $1,000 annual maximum, with copays of $15 for Medicare dental services and no copay for many other dental procedures. The plan also provides coverage for ambulance services, home infusion, medical equipment, and some transportation services.
Inpatient Hospital See details
The Cigna Preferred Savings Medicare (HMO) plan covers inpatient hospital stays, including services not usually covered by Medicare, with a $150 copay for days 1-6 and no copay for days 7-90. Inpatient hospital psychiatric services are also covered with a $150 copay for days 1-6 and no copay for days 7-90, while additional days and non-Medicare-covered stays for both inpatient hospital and psychiatric services 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 $275, observation services with a $150 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a $15 copay for both individual and group sessions, and outpatient blood services. Prior authorization and a doctor referral are required for some services.
Partial Hospitalization See details
Partial Hospitalization is covered under the Cigna Preferred Savings Medicare (HMO) plan with a $130 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Cigna Preferred Savings Medicare (HMO) plan. Ground ambulance services have a $200 copay, and air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for up to 30 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 under the Cigna Preferred Savings Medicare (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $140 copay, while Urgently Needed Services have a $10 copay; all have no coinsurance. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $140 copay.
Primary Care See details
The Cigna Preferred Savings Medicare (HMO) plan covers Primary Care Physician Services, Occupational Therapy Services, Physician Specialist Services, Physical Therapy and Speech-Language Pathology Services, and Opioid Treatment Program Services with a $15 copay. Chiropractic Services are covered with a $15 copay, but routine care is not covered. Mental Health and Psychiatric Services are partially covered, as individual and group sessions are not covered. Additional Telehealth benefits are covered with a copay between $0 and $15. Podiatry Services are not covered.
Preventive Services See details
The Cigna Preferred Savings Medicare (HMO) plan covers preventive services, including annual physical exams, health education, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit. Other benefits, such as in-home safety assessments, personal emergency response systems, medical nutrition therapy, and more, are not covered.
Hearing Services See details
Hearing services include hearing exams with a $15 copay, routine hearing exams, fitting/evaluation for hearing aids, and prescription hearing aids. Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, Over the Ear hearing aids, and OTC hearing aids are not covered.
Vision Services See details
The Cigna Preferred Savings Medicare (HMO) plan covers vision services, including eye exams with a copay of $0-$15, and eyewear. Eyewear includes contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames, with a combined maximum benefit of $150 every year.
Dental Services See details
Dental services are covered under the Cigna Preferred Savings Medicare (HMO) plan, with a $1,000 maximum per year. You will pay a $15 copay for Medicare Dental Services and no copay or coinsurance for 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
The Cigna Preferred Savings Medicare (HMO) plan covers Home Infusion bundled Services, including Medicare Part B Insulin Drugs with a $35 copay and a coinsurance between 0% and 20%. The plan also covers Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with a 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 for these services.
Medical Equipment See details
Medical equipment is covered under the Cigna Preferred Savings Medicare (HMO) plan. Durable Medical Equipment (DME) has a 20% coinsurance, and Durable Medical Equipment for use outside the home is not covered; Prosthetics/Medical Supplies and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance, while Diabetic Supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and lab services with a copay between $0 and $30, and outpatient X-ray services with a $15 copay. Therapeutic Radiological Services have a coinsurance of at most 20%, and Diagnostic Radiological Services have a copay of at most $200.
Home Health Services See details
Home Health Services are covered by the Cigna Preferred Savings Medicare (HMO) plan with no copay and no coinsurance; however, 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 under the Cigna Preferred Savings Medicare (HMO) plan. Note that prior authorization and a doctor referral are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna Preferred Savings Medicare (HMO) plan, with a $0 copay for days 1-20 and a $214 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered SNF stays are not covered.
Other Services See details
The Cigna Preferred Savings Medicare (HMO) plan covers Over-the-Counter (OTC) items with a maximum benefit of $45 every three months, including nicotine replacement therapy and Naloxone coverage. Meal benefits are also covered for chronic illnesses or medical conditions that require the enrollee to remain at home. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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