A non-government entity
Cigna True Choice Medicare (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna True Choice Medicare (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Cigna True Choice Medicare (PPO) in 2025, please refer to our full plan details page.
Cigna True Choice Medicare (PPO) is a PPO plan offered by The Cigna Group available for enrollment in 2025 to people living in Fort Collins. This plan received an overall rating of 3 out of 5 stars in 2025.
It's important to know that Cigna True Choice Medicare (PPO) 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 True Choice Medicare (PPO).
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 True Choice Medicare (PPO), 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.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan has a $350.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $8950.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $8950.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 True Choice Medicare (PPO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay a copay for your prescriptions, with costs varying based on the drug tier and pharmacy type. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase where you pay nothing for covered Part D drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Cigna True Choice Medicare (PPO) plan offers comprehensive coverage, including inpatient and outpatient hospital services, with varying copays. You'll find no copay for preventive services, and many primary care services. The plan also includes coverage for hearing, vision, and dental services with copays, as well as coverage for ambulance, emergency, and home health services. Additional benefits include coverage for services like partial hospitalization, home infusion, dialysis, medical equipment, and diagnostic services. The plan also offers specific benefits like acupuncture, an over-the-counter items allowance, and a meal benefit. Prior authorization is required for some services, and some services are not covered, so check the details for your specific needs.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, you will pay a $285 copay for days 1-5, and no copay for days 6-90.
Outpatient Services See details
Outpatient services are covered by the Cigna True Choice Medicare (PPO) plan, including outpatient hospital services with a copay between $0 and $295, observation services with a $295 copay, ambulatory surgical center services with no copay, and outpatient substance abuse services with a $30 copay for both individual and group sessions. Outpatient blood services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna True Choice Medicare (PPO) plan, but requires prior authorization. You will pay a $105 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground ambulance services have a $170 copay, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for 24 one-way trips per year, but transportation services to any health-related location are not covered.
Emergency Services See details
Emergency services, including urgently needed services and worldwide emergency services, are covered by the Cigna True Choice Medicare (PPO) plan. Emergency services have a $125 copay, urgently needed services have a $30 copay, and worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation all have a $125 copay.
Primary Care See details
The Cigna True Choice Medicare (PPO) plan covers Primary Care Physician Services, Chiropractic Services (with a $15 copay), Occupational Therapy Services (with a $30 copay), Physician Specialist Services (with a $30 copay), Other Health Care Professional (with a copay between $0 and $30), Physical Therapy and Speech-Language Pathology Services (with a $30 copay), Additional Telehealth Benefits (with a copay between $0 and $30), and Opioid Treatment Program Services (with a copay between $30 and $30). Routine Chiropractic Care, Individual and Group Sessions for Mental Health Specialty Services, Podiatry Services, Individual and Group Sessions for Psychiatric Services are not covered.
Preventive Services See details
The Cigna True Choice Medicare (PPO) plan covers preventive services, including Medicare-covered services with no copay. The plan also covers annual physical exams, health education, support for caregivers, and fitness benefits, though in-home safety assessments, personal emergency response systems, and other services are not covered. Additional services, such as glaucoma screenings, diabetes self-management training, and barium enemas, are covered.
Hearing Services See details
Hearing Services are covered by the Cigna True Choice Medicare (PPO) plan, including routine hearing exams with a $30 copay. The plan also covers fitting/evaluation for hearing aids, and prescription hearing aids (all types) with a copay between $399 and $1800. Prescription hearing aids - inner ear, outer ear, and over the ear, as well as OTC hearing aids are not covered.
Vision Services See details
The Cigna True Choice Medicare (PPO) plan covers vision services, including routine eye exams with a copay of $0-$30. Eyewear is covered with a combined maximum of $200 per year, and contact lenses are also covered.
Dental Services See details
Dental services are covered with a $30 copay for Medicare dental services, and there is a $1,400 annual maximum plan benefit. Other dental services include 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), maxillofacial prosthetics, implant services, prosthodontics (fixed), oral and maxillofacial surgery, and orthodontics. Orthodontic services are covered under Diagnostic and Preventive Dental.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Cigna True Choice Medicare (PPO) plan. Medicare Part B Insulin Drugs have a $35 copay, and coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Cigna True Choice Medicare (PPO) plan, but require prior authorization. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment benefits are covered, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices, and Medical Supplies with 20% coinsurance. Diabetic Therapeutic Shoes/Inserts are covered with 20% coinsurance, but Diabetic Supplies and Durable Medical Equipment for use outside the home are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including all diagnostic services, diagnostic procedures/tests, and lab services. For diagnostic procedures/tests, the copay is between $0 and $25, and for lab services, there is no copay.
Home Health Services See details
Home Health Services are covered by the Cigna True Choice Medicare (PPO) 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 covered, but not for Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, SET for PAD Services, or Additional Cardiac Rehabilitation Services. Prior authorization is required, and copays apply.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna True Choice Medicare (PPO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, there is a $214 copay, but additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The Cigna True Choice Medicare (PPO) plan covers acupuncture with a maximum benefit coverage amount of $300 every year. The plan also provides Over-the-Counter (OTC) Items with a maximum benefit coverage amount of $15 every three months, including Nicotine Replacement Therapy and Naloxone coverage. This plan offers a Meal Benefit for chronic illnesses or medical conditions requiring the enrollee to remain at home for a period of time. However, this plan does not cover several services, including Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and more.
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