A non-government entity
Cigna Preferred Select Medicare (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Cigna Preferred Select Medicare (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Cigna Preferred Select Medicare (HMO) in 2025, please refer to our full plan details page.
Cigna Preferred Select Medicare (HMO) is a HMO plan offered by The Cigna Group available for enrollment in 2025 to people living in Charlotte/Triangle/Triad. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Cigna Preferred Select Medicare (HMO) 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 Preferred Select Medicare (HMO).
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 Preferred Select Medicare (HMO), 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.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4000.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 Preferred Select Medicare (HMO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you will pay a copay for your prescriptions depending on the drug tier and the pharmacy you use. For example, preferred generic drugs have a $4 copay at preferred pharmacies and $20 at standard pharmacies. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The Cigna Preferred Select Medicare (HMO) plan offers a range of benefits, including inpatient and outpatient hospital services, with varying copays. You'll also find coverage for emergency services, primary care, preventive services, and home health services. Dental, vision, and hearing services are included, with specific copays and coverage limits for each. This plan covers diagnostic and radiological services, and medical equipment with coinsurance requirements. Additional benefits include home infusion, dialysis services, and skilled nursing facility stays, each with specific cost-sharing structures. The plan also offers over-the-counter items and nicotine replacement therapy.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you will pay a $275 copay for days 1-5, and no copay for days 6-90; no coinsurance applies. For Inpatient Hospital Psychiatric, you will pay a $595 copay for days 1-3, and no copay for days 4-90; no coinsurance applies. Additional days for Inpatient Hospital-Acute are covered with no copay or coinsurance, but non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $305, observation services have a $305 copay, and ambulatory surgical center services have no copay. Individual and group sessions for outpatient substance abuse have a copay of $20.
Partial Hospitalization See details
Partial Hospitalization is covered by the Cigna Preferred Select Medicare (HMO) plan, but requires prior authorization. You will have a $130 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by Cigna Preferred Select Medicare (HMO), with a $270 copay for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Cigna Preferred Select Medicare (HMO) plan. Emergency Services and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have a $140 copay, and Urgently Needed Services have a $65 copay, with no coinsurance for any of these services.
Primary Care See details
The Cigna Preferred Select Medicare (HMO) plan covers primary care physician services, chiropractic services (with a $20 copay), occupational therapy (with a $20 copay), physician specialist services (with a $20 copay), physical therapy and speech-language pathology services (with a $20 copay), other health care professionals (with a copay between $0 and $20), and opioid treatment program services (with a copay between $20 and $20). The plan does not cover routine chiropractic care, individual or group sessions for mental health specialty services, individual or group sessions for psychiatric services, and podiatry services. Additional telehealth benefits are covered with a copay between $0 and $20.
Preventive Services See details
The Cigna Preferred Select Medicare (HMO) plan covers preventive services, including annual physical exams, health education, kidney disease education, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit. However, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, readmission 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. The plan also covers fitness benefits.
Hearing Services See details
Hearing services include hearing exams, with a $20 copay, and coverage for routine hearing exams and fitting/evaluation for hearing aids, each available once per year. Prescription hearing aids (all types) are covered with a copay between $399 and $1800, but prescription hearing aids for the inner ear, outer ear, and over-the-ear, and OTC hearing aids are not covered.
Vision Services See details
The Cigna Preferred Select Medicare (HMO) plan covers vision services, including routine eye exams with a copay between $0 and $20. Eyewear is covered, with a combined maximum benefit of $275 every year, while contact lenses are covered with no limit. Eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames are each covered once per year.
Dental Services See details
The Cigna Preferred Select Medicare (HMO) plan covers dental services including oral exams with a $20 copay, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatments, and other preventive dental services. Restorative services have a copay between $0 and $550, adjunctive general services have a copay between $0 and $285, endodontics have a copay between $0 and $675, periodontics have a copay between $0 and $595, prosthodontics, removable has a copay between $25 and $615, prosthodontics, fixed has a copay between $50 and $525, and oral and maxillofacial surgery is covered. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
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 coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Cigna Preferred Select Medicare (HMO) plan, but require prior authorization. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 20% coinsurance, Prosthetic Devices with 20% coinsurance, and Medical Supplies with 20% coinsurance, though Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered. Diabetic Therapeutic Shoes/Inserts are covered with 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay between $0 and $20, and Lab Services with no copay. Outpatient X-Ray Services have no copay, while Diagnostic Radiological Services have a copay up to $195, and Therapeutic Radiological Services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by the Cigna Preferred Select Medicare (HMO) 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 not covered by the Cigna Preferred Select Medicare (HMO) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Cigna Preferred Select Medicare (HMO) plan, but prior authorization is required. You will pay a $20 copay for days 1-20, a $214 copay for days 21-60, and no copay for days 61-100.
Other Services See details
The Cigna Preferred Select Medicare (HMO) plan covers over-the-counter (OTC) items, with a maximum benefit coverage amount of $120 every three months, and it offers nicotine replacement therapy and Naloxone coverage. However, acupuncture, 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.
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