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 Athens. 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 $80.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $575.00 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 $14000.00 (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 $14000.00 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:
Sign up for Cigna True Choice Savings Medicare (PPO)
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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 medications, depending on the drug tier and the pharmacy you use. For example, preferred generic drugs have a $4 copay at preferred pharmacies and a $20 copay at standard pharmacies. Once your total drug costs reach $2000, you will enter the catastrophic coverage phase and pay nothing for your covered Part D drugs.
Additional Benefits
The Cigna True Choice Savings Medicare (PPO) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay, while outpatient services have copays depending on the specific service. Emergency services have a copay, and primary care services have copays for specialists and therapies. Preventive services are covered, and the plan also offers hearing, vision, and dental coverage, with copays for exams and services. The plan also covers home health, and skilled nursing facility services with copays. Other benefits include medical equipment, diagnostic and radiological services, and home infusion services with copays or coinsurance.
Inpatient Hospital See details
Inpatient Hospital services are covered. For Inpatient Hospital-Acute, you'll pay a $365 copay for days 1-5, and no copay for days 6-90. Inpatient Hospital Psychiatric services are covered, with a $595 copay for days 1-3, and no copay for days 4-90.
Outpatient Services See details
Outpatient services are covered by the Cigna True Choice Savings Medicare (PPO) plan, including outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $425, observation services have a $365 copay, ASC services have no copay, and outpatient substance abuse services have a $50 copay for individual and group sessions.
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, and air ambulance services have a 20% coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Worldwide Emergency Services, have a copay. Emergency Services and Worldwide Emergency Coverage have a $110 copay, and Urgently Needed Services has a $45 copay. Worldwide Emergency Services has a maximum plan benefit coverage of $50,000.
Primary Care See details
The Cigna True Choice Savings Medicare (PPO) plan covers a variety of primary care services. Chiropractic services have a $15 copay, while occupational therapy services have a $35 copay, and physician specialist services have a $50 copay. Physical therapy and speech-language pathology services have a $35 copay, and additional telehealth benefits have a copay between $0 and $50. Opioid treatment program services have a $50 copay, and other healthcare professionals have a copay between $0 and $50. 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
The Cigna True Choice Savings Medicare (PPO) plan covers preventive services including Medicare-covered services, annual physical exams, health education, kidney disease education services, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, EKG following Welcome Visit, and fitness benefits. However, 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 are not covered.
Hearing Services See details
Hearing services include routine hearing exams with a $35 copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids (all types) have a copay between $399 and $1800, while prescription hearing aids for the inner ear, outer ear, and over the ear are not covered. OTC hearing aids are not covered.
Vision Services See details
The Cigna True Choice Savings Medicare (PPO) plan covers vision services, including eye exams with a copay of $0-$45, and eyewear. The plan covers one routine eye exam per year. Eyewear has a combined maximum benefit of $250 per year, and covers contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades.
Dental Services See details
The Cigna True Choice Savings Medicare (PPO) plan covers dental services, including Medicare dental services with a $50 copay. The plan offers a maximum of $1,400 per year for both in-network and out-of-network services and covers 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.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Cigna True Choice Savings Medicare (PPO) plan. You will pay 20% coinsurance for these services; prior authorization is required.
Medical Equipment See details
Medical Equipment benefits are covered under the Cigna True Choice Savings Medicare (PPO) plan, with Durable Medical Equipment subject to 20% coinsurance. Prosthetics/Medical Supplies and Diabetic Therapeutic Shoes/Inserts are covered with a 20% coinsurance, while 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 Diagnostic Procedures/Tests with a copay between $0 and $125, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $350, Therapeutic Radiological Services with a copay of $80, and Outpatient X-Ray Services with no copay. Prior authorization is required for all services.
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, 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, but not the sub-services Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required, and there is a copay for covered services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna True Choice Savings Medicare (PPO) plan, but require 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 coverage and non-Medicare covered stays are not covered.
Other Services See details
Other Services includes a meal benefit, but acupuncture, over-the-counter 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 meal benefit is provided for a chronic illness or a medical condition that requires the enrollee to stay at home for a period of time.
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