A non-government entity
Cigna True Choice Courage Medicare (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna True Choice Courage 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 Courage Medicare (PPO) in 2025, please refer to our full plan details page.
Cigna True Choice Courage Medicare (PPO) is a PPO plan offered by The Cigna Group available for enrollment in 2025 to people living in Kansas City. This plan received an overall rating of 3 out of 5 stars in 2025.
It's important to know that Cigna True Choice Courage Medicare (PPO) 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 True Choice Courage 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 Courage 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. Additionally, this plan comes with a Part B Premium reduction of $15.00. 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 combined Maximum Out-Of-Pocket cost of $6200.00 (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 $6200.00 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
Prescription drugs are not covered by Cigna True Choice Courage Medicare (PPO).
Additional Benefits
The Cigna True Choice Courage Medicare (PPO) plan offers a range of benefits, including inpatient and outpatient hospital services, with varying copays. This plan provides coverage for primary care, preventive services, hearing, vision, and dental, with specific copays and annual maximums for certain services. Additional benefits include coverage for ambulance, emergency services, and home health services with no copay. The plan also covers medical equipment, diagnostic and radiological services, and skilled nursing facility stays. However, some services like additional days for certain hospital stays, certain hearing aids, and some "other services" are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $395 copay for days 1-5, and no copay for days 6-90; Inpatient Hospital Psychiatric has a $370 copay for days 1-5, and no copay for days 6-90. Additional Days for Inpatient Hospital-Acute are covered, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, as well as Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services are covered, including outpatient hospital services with a copay between $0 and $395, observation services with a $325 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a $25 copay for both individual and group sessions, and outpatient blood services. Prior authorization is required for many of these services.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna True Choice Courage Medicare (PPO) plan, with a copay of $85.00. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground ambulance services have a $215 copay, while air ambulance services have a 20% coinsurance, and 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. Emergency Services and Worldwide Emergency Coverage have a $125 copay, and Urgently Needed Services have a $55 copay; all have no coinsurance. Worldwide Emergency Services has a maximum plan benefit of $50,000.
Primary Care See details
The Cigna True Choice Courage Medicare (PPO) plan covers primary care physician services, chiropractic services with a $15 copay, occupational therapy services with a $25 copay, and physician specialist services with a $25 copay. It also covers mental health specialty services, other health care professional services with a copay between $0 and $25, and physical therapy and speech-language pathology services with a $25 copay. Additional telehealth benefits are covered with a copay between $0 and $25, and Opioid Treatment Program Services are covered with a $25 copay. Routine chiropractic care, individual and group sessions for mental health specialty services, individual and group sessions for psychiatric services, and podiatry services are not covered.
Preventive Services See details
Preventive services include Medicare-covered services with no copay, annual physical exams, health education, and fitness benefits, which includes both physical and memory fitness, with no copay. Some services are covered, but the plan does not cover in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services. Other preventive services like kidney disease education services, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit are also covered.
Hearing Services See details
Hearing Services include routine hearing exams with a $25 copay, and fitting/evaluation for hearing aids. Prescription hearing aids (all types) are covered with a minimum copay of $399 and a maximum copay of $1800, but prescription hearing aids for the inner, outer, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have a copay of $0-$25, and routine eye exams are covered once per year. Eyewear has a combined maximum benefit of $250 per year for both in-network and out-of-network services, and includes contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames, with coverage for one pair of lenses and one frame each year. Upgrades are also covered.
Dental Services See details
The Cigna True Choice Courage Medicare (PPO) plan covers dental services, including oral exams, dental x-rays, and other diagnostic dental services with no copay. This plan has a $1,500 maximum benefit per year for both in-network and out-of-network services, and a $25 copay for Medicare dental services. Other services covered include prophylaxis (cleaning), fluoride treatment, other preventative dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics, removable, maxillofacial prosthetics, implant services, prosthodontics, fixed, oral and maxillofacial surgery, and orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services, including insulin, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered with prior authorization. Medicare Part B Insulin Drugs have a $35 copay, and coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Cigna True Choice Courage Medicare (PPO) plan. This plan requires prior authorization and has a coinsurance of 20% for dialysis services.
Medical Equipment See details
Medical equipment is covered under the Cigna True Choice Courage Medicare (PPO) plan, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, and Prosthetic Devices and Medical Supplies each have a 20% coinsurance, while Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including all diagnostic services, diagnostic procedures/tests, lab services, and all radiological services. Diagnostic Procedures/Tests have a copay of $0-$200, Lab Services have no copay, Diagnostic Radiological Services have a copay of $0-$200, Therapeutic Radiological Services have 20% coinsurance, and Outpatient X-Ray Services have a copay of $10.
Home Health Services See details
Home Health Services are covered by the Cigna True Choice Courage Medicare (PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. This benefit requires authorization.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Cigna True Choice Courage Medicare (PPO) plan, but the plan states that none of the sub-services are covered, so in practice, this benefit is not covered. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna True Choice Courage Medicare (PPO) plan, but require prior authorization. For days 1-20, the copay is $10, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays are not covered.
Other Services See details
Other Services are partially covered by the Cigna True Choice Courage Medicare (PPO) plan. Acupuncture, Over-the-Counter (OTC) Items, 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. Meal Benefit is covered.
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