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 Portland. 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 $75.00. 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 $8700.00 (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 $8700.00 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 with varying costs. Inpatient hospital stays have a $255 copay for the first five days and no copay for the rest, while outpatient services have copays ranging from $0 to $195. The plan also covers ambulance services, emergency care, primary care, preventive services with no copay, hearing and vision services, and dental services with a $1,500 annual maximum. Additional benefits include coverage for home health services, skilled nursing facilities, and medical equipment. The plan covers diagnostic and radiological services with copays, and also offers acupuncture, over-the-counter items, and meal benefits. Overall, this plan aims to provide comprehensive coverage with a mix of copays and coinsurance for different services.
Inpatient Hospital See details
Inpatient Hospital services are covered by the Cigna True Choice Courage Medicare (PPO) plan, with a copay of $255 for days 1-5 and no copay for days 6-90. Additional days for Inpatient Hospital-Acute are covered, while Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered. Inpatient Hospital Psychiatric services are covered, with a copay of $255 for days 1-5 and no copay for days 6-90, but Additional Days and Non-Medicare-covered Stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services for the Cigna True Choice Courage Medicare (PPO) plan include coverage for outpatient hospital services with a copay between $0 and $195, observation services with a $195 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a $30 copay for individual and group sessions, and outpatient blood services.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna True Choice Courage Medicare (PPO) plan, and requires prior authorization. You will have to pay a copay of $85.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the Cigna True Choice Courage Medicare (PPO) plan. Ground ambulance services have a copay of $210, while air ambulance services have a 20% coinsurance. Transportation services to a plan-approved health-related location are covered for up to 24 one-way trips per year, 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 by the Cigna True Choice Courage Medicare (PPO) plan. Emergency Services and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have a $120 copay, while Urgently Needed Services have a $30 copay.
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 $30 copay, Physician Specialist Services with a $30 copay, Podiatry Services with a $30 copay, Other Health Care Professional services 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 $30 copay. Mental Health Specialty Services and Psychiatric Services are not covered.
Preventive Services See details
The Cigna True Choice Courage Medicare (PPO) plan covers preventive services, including annual physical exams, health education, kidney disease education services, and other preventive services like glaucoma screening, with no copay. This plan also covers support for caregivers of enrollees and fitness benefits. However, in-home safety assessments, personal emergency response systems, and several other services are not covered.
Hearing Services See details
Hearing Services include routine hearing exams with a $30 copay and fitting/evaluation for hearing aids with no copay, once per year. Prescription hearing aids are covered, with a copay between $399 and $1800 for all types of prescription hearing aids, up to 2 per year, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered. Over-the-counter hearing aids are not covered.
Vision Services See details
Vision Services includes coverage for eye exams with a copay of $0-$30, and routine eye exams are covered once per year. Eyewear is covered up to a combined maximum of $250 per year for both in-network and out-of-network services, and contact lenses are covered. Eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames are covered once per year. Upgrades are also covered.
Dental Services See details
Dental services are covered, with a $1,500 annual maximum benefit. Medicare dental services have a $30 copay and require prior authorization, while other dental services, including oral exams, dental x-rays, and orthodontics, are covered with no copay or coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Cigna True Choice Courage Medicare (PPO) plan. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis services are covered under the Cigna True Choice Courage Medicare (PPO) plan. There is a coinsurance of 20% for dialysis services.
Medical Equipment See details
Medical Equipment benefits are covered, with Durable Medical Equipment (DME) covered with 15% coinsurance and no copay. Prosthetic Devices and Medical Supplies have no copay, and are covered with 15% coinsurance, while Diabetic Therapeutic Shoes/Inserts are covered with 20% coinsurance and no copay, but 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 by the Cigna True Choice Courage Medicare (PPO) plan, with a copay for some services. Diagnostic Procedures/Tests have a copay between $0 and $150, Lab Services have no copay, Diagnostic Radiological Services have a copay of up to $150, Therapeutic Radiological Services have a $60 copay, 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. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services. 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, there is no copay, and for days 21-100, the copay is $214.
Other Services See details
The Cigna True Choice Courage Medicare (PPO) plan covers acupuncture, over-the-counter (OTC) items, and meal benefits. Acupuncture has a maximum benefit coverage amount of $300 per year, and OTC items have a maximum benefit coverage amount of $105 every three months. Meal benefits are covered for chronic illnesses and medical conditions, but other services like Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and others are not covered.
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