A non-government entity
Cigna True Choice Savings Medicare (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna True Choice Savings 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 Savings Medicare (PPO) in 2025, please refer to our full plan details page.
Cigna True Choice Savings Medicare (PPO) is a PPO plan offered by The Cigna Group available for enrollment in 2025 to people living in Georgia. This plan received an overall rating of 3 out of 5 stars in 2025.
It's important to know that Cigna True Choice Savings 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 Savings 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 Savings 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 $75.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $100.00 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 $13300.00 (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 $13300.00 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 Savings Medicare (PPO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay a copay for your prescriptions. 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 pay nothing for your Part D covered 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 Savings Medicare (PPO) plan offers a wide range of benefits, including coverage for inpatient and outpatient hospital services, with varying copays. You can expect to pay a copay for services such as emergency care, primary care visits, and some specialist services. This plan also covers preventive, hearing, vision, and dental services, often with copays, and offers coverage for home health services with no copay. Additional benefits include coverage for ambulance services, home infusion, dialysis, and medical equipment, typically with copays or coinsurance. Diagnostic and radiological services are covered, with copays and coinsurance depending on the service. This plan also covers skilled nursing facility stays, with no copay for the first 20 days, and a copay for days 21-100.
Inpatient Hospital See details
The Cigna True Choice Savings Medicare (PPO) plan covers inpatient hospital stays, including acute and psychiatric services, but prior authorization is required. For Inpatient Hospital-Acute, you pay a $360 copay for days 1-5, and no copay for days 6-90. For Inpatient Hospital Psychiatric, you pay a $595 copay for days 1-3, and no copay for days 4-90.
Outpatient Services See details
Outpatient Services are covered under the Cigna True Choice Savings Medicare (PPO) plan, including outpatient hospital services with a copay between $0 and $425, observation services with a $360 copay, ambulatory surgical center services with no copay, and outpatient substance abuse services with a $40 copay for both individual and group sessions. Outpatient blood services are also covered, with a waived three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna True Choice Savings Medicare (PPO) plan, with an $80 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Cigna True Choice Savings Medicare (PPO) plan. Ground ambulance services have a $270 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 Urgently Needed Services and Worldwide Emergency Services, are covered under the Cigna True Choice Savings Medicare (PPO) plan. Emergency Services and Worldwide Emergency Coverage have a $110 copay, and Urgently Needed Services have a $45 copay; all have no coinsurance.
Primary Care See details
The Cigna True Choice Savings Medicare (PPO) plan covers Primary Care Physician Services, Chiropractic Services with a $15 copay, Occupational Therapy Services with a $35 copay, Physician Specialist Services with a $40 copay, and Physical Therapy and Speech-Language Pathology Services with a $35 copay. Mental Health and Psychiatric Services are partially covered, and Individual and Group sessions are not covered. Additional Telehealth Benefits are covered with a copay between $0 and $40, and Opioid Treatment Program Services are covered with a $40 copay.
Preventive Services See details
Preventive Services are covered, including Medicare-covered preventive services, annual physical exams, and kidney disease education services. Some additional preventive services, like In-Home Safety Assessments, Personal Emergency Response Systems, and Medical Nutrition Therapy, are not covered.
Hearing Services See details
Hearing Services include hearing exams with a $25 copay, and prescription hearing aids with a copay between $399 and $1800. Routine hearing exams and fitting/evaluation for hearing aids are covered, but prescription hearing aids for inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services are covered by the Cigna True Choice Savings Medicare (PPO) plan, including eye exams with a copay of $0-$45, and eyewear with a combined maximum benefit of $225 per year. Routine eye exams are covered once per year.
Dental Services See details
Dental Services are covered, with a $40 copay for Medicare Dental Services. This plan has a maximum benefit of $1400 per year for both in-network and out-of-network services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 15%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 15%.
Dialysis Services See details
Dialysis Services are covered under the Cigna True Choice Savings Medicare (PPO) plan. You will pay 20% coinsurance for dialysis services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 15% coinsurance, Prosthetics/Medical Supplies with 15% coinsurance, Diabetic Equipment with coinsurance, and Diabetic Therapeutic Shoes/Inserts with 15% coinsurance; however, 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, with all diagnostic services requiring prior authorization. Diagnostic Procedures/Tests have a copay between $0 and $125, while Lab Services have no copay. Diagnostic Radiological Services have a maximum copay of $350, Therapeutic Radiological Services have a copay of $80, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Cigna True Choice Savings Medicare (PPO) plan with no copay and no coinsurance. However, Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Cigna True Choice Savings 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
The Cigna True Choice Savings Medicare (PPO) plan covers Skilled Nursing Facility (SNF) services, but requires prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214 per day; additional days beyond Medicare-covered SNF stays and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services are partially covered. 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. The plan covers 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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