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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 St. Louis. 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 $35.00. 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 wide range of benefits with varying costs. Hospital stays require a copay, with the amount depending on the length of stay. Outpatient services have copays that range from no copay to $300, and emergency services have a copay of $120. The plan covers primary care, preventive, hearing, vision, and dental services with some cost-sharing. Hearing exams have a $30 copay, and vision exams have a copay between $0-$30. Dental services are covered up to a maximum of $1400 per year. Additionally, the plan offers coverage for ambulance, home health, and skilled nursing facility services, with specific copays or coinsurance amounts depending on the service.
Inpatient Hospital See details
Inpatient Hospital coverage, including acute and psychiatric care, requires prior authorization and has a copay of $325 for days 1-5, and no copay for days 6-90. Additional days for inpatient hospital acute care are covered, while non-Medicare-covered stays and upgrades for inpatient hospital acute are not covered, along with additional days and non-Medicare-covered stays for inpatient hospital psychiatric.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, observation services, and outpatient substance abuse services, are covered. Outpatient Hospital Services have a copay between $0 and $300, Observation Services have a copay of $275, Individual and Group Sessions for Outpatient Substance Abuse have a copay of $30, and Ambulatory Surgical Center (ASC) Services have no copay. Outpatient Blood Services are also covered, including services not usually covered by Medicare plans, with a waived three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna True Choice Courage Medicare (PPO) plan, and requires prior authorization. You will have a copay of $85 for this service.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Cigna True Choice Courage Medicare (PPO) plan. Ground ambulance services have a $230 copay, while air ambulance services have a 20% coinsurance, and transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services, including Worldwide Emergency Services, are covered under the Cigna True Choice Courage Medicare (PPO) plan. Emergency Services and Worldwide Emergency Coverage have a $120 copay, and Urgently Needed Services have a $30 copay, but there is no coinsurance for any of these services.
Primary Care See details
The Cigna True Choice Courage Medicare (PPO) plan covers Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services. Chiropractic services have a $15 copay, physician specialist services have a $30 copay, occupational therapy services have a $30 copay, physical therapy and speech-language pathology services have a $30 copay, and other health care professional services and opioid treatment program services have a copay between $30. Additional Telehealth Benefits have a copay between $0 and $30. Individual and Group Sessions for Mental Health Specialty Services, Routine Chiropractic Care, Individual and Group Sessions for Psychiatric Services, and Podiatry Services are not covered.
Preventive Services See details
Preventive Services, including Medicare-covered services, annual physical exams, and kidney disease education, are covered by the Cigna True Choice Courage Medicare (PPO) plan. Additional preventive services like health education, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit are covered, while in-home safety assessments, personal emergency response systems, medical nutrition therapy, and other services are not covered.
Hearing Services See details
Hearing exams are covered with a $30 copay. Routine hearing exams and fitting/evaluation for hearing aids are covered, but only one visit is covered per year for each. Prescription hearing aids are covered, with a copay between $399 and $1800, but inner ear, outer ear, and over the ear hearing aids are not covered. OTC hearing aids are not covered.
Vision Services See details
Vision services for the Cigna True Choice Courage Medicare (PPO) plan include eye exams with a copay of $0-$30 for routine eye exams, and eyeglasses are partially covered. Contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The Cigna True Choice Courage Medicare (PPO) plan covers dental services, including Medicare dental services with a $30 copay, and other dental services, up to a maximum of $1400 per year. 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 are also covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. 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 by the Cigna True Choice Courage Medicare (PPO) plan, but require prior authorization. You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by the Cigna True Choice Courage Medicare (PPO) plan. Durable Medical Equipment (DME) and Prosthetic Devices have a 20% coinsurance, while Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered; Medical Supplies and Diabetic Therapeutic Shoes/Inserts also have a 20% coinsurance.
Diagnostic and Radiological Services See details
The Cigna True Choice Courage Medicare (PPO) plan covers diagnostic and radiological services. Diagnostic Procedures/Tests have a copay between $0 and $50, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $150, Therapeutic Radiological Services have a copay of $60 or more, and Outpatient X-Ray Services have a $10 copay.
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. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Cigna True Choice Courage Medicare (PPO) plan. Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are also not covered.
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, there is no copay, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services are not covered by the Cigna True Choice Courage Medicare (PPO) plan. The plan does not cover acupuncture, over-the-counter items, meal benefits, 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.
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