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The Cigna Group

Plan ID: H7849-112-3

Cigna True Choice Medicare (PPO)

2025 Cigna True Choice Medicare (PPO) H7849 — 112 — 3 is a Medicare Advantage plan with drug coverage. It has received a 3-out-of-5 star rating from CMS for 2025.

Learn more about Cigna True Choice Medicare (PPO) H7849 - 112 - 3, including the health and drug services it covers, by reading our easy-to-use guide. Or contact a licensed insurance agent for help now.

3 / 5 stars for 2025

$0.00 /mo

Monthly premium

$0

Drug deductible

$4300.00

Out-of-pocket maximum

Enroll online

Call to enroll

OR

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Get personalized help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week!

OverviewBenefits & CostsDrug CoverageAdditional Benefits
Overview Icon

Plan Overview

2025 Cigna True Choice Medicare (PPO) H7849 — 112 — 3 is a PPO offered in by The Cigna Group. It has a monthly premium of $0.00.

Premium Breakdown

Standard Part B Premium

$185.00

Part B premium reduction

- $0

Monthly Plan Premium

$0.00

Total Premium:

$185.00

Note:

The standard Medicare Part B premium for 2025 is $185.00. Your premium may differ based on factors like late enrollment, income (IRMAA), or disability status. Most people enrolled in Medicare Part B are required to pay this premium.

Special needs plan type

No

Out-of-pocket maximum

$4300.00

Plan Organization:

The Cigna Group

Plan Type:

PPO

Location:

Drugs Covered:

Yes

Drug Formulary:

Not yet released

Pharmacies:

Not yet released

Doctor Choice:

Doctors Link:

Not yet released

Deductibles

The amount you must pay each year before your plan starts to pay for covered services or drugs.

Drug deductible

$0

Sign up for Cigna True Choice Medicare (PPO)

Enroll online

Call to enroll

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Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week

Drug Coverage Icon

Drug Coverage

Cigna True Choice Medicare (PPO) provides the following cost-sharing on drugs. Please check the plan’s formulary for specific drugs covered.

Drug Benefit Type

Enhanced Alternative

Prescription drug deductible

$0

Part D Premium Reduction

This plan's premium may be reduced for you if you qualify for the low-income subsidy (also known as LIS or "Extra help"). The following is what you'll pay for with LIS.

Part D

LIS Full

$0.00

$0.00

Initial Coverage Phase

After you pay your $0.00 drug deductible, you will pay the following costs for drugs in each tier until your total drug costs (including what this plan has paid and what you have paid) reach $2000.00. Once you reach that amount, you will enter the next coverage phase.

30 Days
60 Days
90 Days

Tier

Preferred Pharmacy

Standard Pharmacy

Preferred Mail

Standard Mail

1. Preferred Generic

-

$10.00 Copay

-

$10.00 Copay

2. Standard Generic

-

-

-

-

3. Preferred Brand

-

-

-

-

4. Non-Preferred Drug

-

-

-

-

5. Specialty Tier

-

-

-

-

Catastrophic Coverage Phase

After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $2000.00, you pay nothing for Medicare Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.

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Additional Benefits

Cigna True Choice Medicare (PPO) also provides the following benefits.

Note:

Limits, Authorizations, and Referrals may apply for the benefits below. Contact the plan for details.

Additional Coverage Icon

Comprehensive dental

Adjunctive General Services
In-Network: No Coins - No Co pay
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Out-Of-Network: No Coins - No Copay
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Endodontics
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Implant Services
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Maxillofacial Prosthetics
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
Limit Icon
Oral and Maxillofacial Surgery
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Orthodontics
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Periodontics
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Prosthodontics, fixed
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Prosthodontics, removable
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Restorative Services
In-Network: No Coins - No Co pay
Limit Icon
Out-Of-Network: No Coins - No Copay
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Additional Coverage Icon

Preventive dental

Dental X-Rays
In-Network: No Coins - No Copay
Limit Icon
Out-Of-Network: No Coins - No Copay
Limit Icon
Fluoride Treatment
In-Network: No Coins - No Copay
Limit Icon
Out-Of-Network: No Coins - No Copay
Limit Icon
Oral Exams
In-Network: No Coins - No Copay
Limit Icon
Out-Of-Network: No Coins - No Copay
Limit Icon
Other Diagnostic Dental Services
In-Network: No Coins - No Copay
Limit Icon
Out-Of-Network: No Coins - No Copay
Limit Icon
Other Preventive Dental Services
In-Network: No Coins - No Copay
Limit Icon
Out-Of-Network: No Coins - No Copay
Limit Icon
Prophylaxis (cleaning)
In-Network: No Coins - No Copay
Limit Icon
Out-Of-Network: No Coins - No Copay
Limit Icon
Additional Coverage Icon

Diagnostic procedures/lab services/imaging

Outpatient x-rays
In-Network: $0-25 copay
Limit IconExclamation Icon
Out-Of-Network: 40% coinsurance
Limit IconExclamation Icon
Diagnostic radiology services
Diagnostic tests and procedures
In-Network: $0-75 copay
Limit IconExclamation Icon
Out-Of-Network: 45% coinsurance
Limit IconExclamation Icon
Lab services
In-Network: $0-50 copay
Limit IconExclamation Icon
Out-Of-Network: 45% coinsurance
Limit IconExclamation Icon
Additional Coverage Icon

Doctor visits

Primary
In-Network: $0 copay
Limit Icon
Out-Of-Network: $40 copay per visit
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Specialist
In-Network: $30 copay per visit
Limit IconExclamation Icon
Out-Of-Network: $45 copay per visit
Limit IconExclamation Icon
Additional Coverage Icon

Emergency care/Urgent care

Emergency
$125 copay per visit (always covered)
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Urgent care
$55 copay per visit (always covered)
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Additional Coverage Icon

Foot care (podiatry services)

Foot exams and treatment
In-Network: $30 copay
Limit Icon
Out-Of-Network: 50% coinsurance
Limit Icon
Routine foot care
Not covered
Limit Icon
Additional Coverage Icon

Ground ambulance

All service types
In-Network: $275 copay
Limit Icon
Out-Of-Network: $275 copay or 20% coinsurance
Limit Icon
Additional Coverage Icon

Hearing

Hearing aids OTC
Not covered
Limit Icon
Medicare-Covered Hearing Exam
In-Network: $25 copay
Limit Icon
Out-Of-Network: 40% coinsurance
Limit Icon
Fitting/evaluation
In-Network: $0 copay
Limit Icon
Out-Of-Network: 50% coinsurance
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Hearing aids
In-Network: $399-1,800 copay
Limit Icon
Out-Of-Network: $0 copay
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Additional Coverage Icon

Inpatient hospital coverage

All service types
In-Network: $290 per day for days 1 through 6 $0 per day for days 7 through 90
Limit IconExclamation Icon
Out-Of-Network: 40% per stay
Limit IconExclamation Icon
Additional Coverage Icon

Outpatient hospital coverage

All service types
In-Network: $0-275 copay per visit
Limit IconExclamation Icon
Out-Of-Network: 40% coinsurance per visit
Limit IconExclamation Icon
Additional Coverage Icon

Optional benefits

All service types
No
Limit Icon
Additional Coverage Icon

Medical equipment/supplies

Diabetes supplies
In-Network: $0 copay
Limit IconExclamation Icon
Out-Of-Network: 45% coinsurance per item
Limit IconExclamation Icon
Durable medical equipment
Prosthetics
Additional Coverage Icon

Medicare Part B drugs

Chemotherapy
In-Network: 0-20% coinsurance
Limit IconExclamation Icon
Out-Of-Network: 40% coinsurance
Limit IconExclamation Icon
Other Part B drugs
In-Network: 0-20% coinsurance
Limit IconExclamation Icon
Out-Of-Network: 40% coinsurance
Limit IconExclamation Icon
Additional Coverage Icon

Mental health services

Inpatient hospital - psychiatric
In-Network: $275 per day for days 1 through 7 $0 per day for days 8 through 90
Limit IconExclamation Icon
Out-Of-Network: 45% per stay
Limit IconExclamation Icon
Outpatient group therapy visit
In-Network: $0 copay
Limit IconExclamation Icon
Out-Of-Network: $55 copay
Limit IconExclamation Icon
Outpatient group therapy visit with a psychiatrist
In-Network: $0 copay
Limit IconExclamation Icon
Out-Of-Network: $55 copay
Limit IconExclamation Icon
Outpatient individual therapy visit
In-Network: $0 copay
Limit IconExclamation Icon
Out-Of-Network: $50 copay
Limit IconExclamation Icon
Outpatient individual therapy visit with a psychiatrist
In-Network: $0 copay
Limit IconExclamation Icon
Out-Of-Network: $45 copay
Limit IconExclamation Icon
Additional Coverage Icon

Preventive care

All service types
In-Network: $0 copay
Limit Icon
Out-Of-Network: $40 copay
Limit Icon
Additional Coverage Icon

Rehabilitation services

Occupational therapy visit
In-Network: $30 copay
Limit Icon
Out-Of-Network: $55 copay
Limit Icon
Physical therapy and speech and language therapy visit
In-Network: $30 copay
Limit Icon
Out-Of-Network: $55 copay
Limit Icon
Additional Coverage Icon

Skilled Nursing Facility

All service types
In-Network: $0 per day for days 1 through 20 $214 per day for days 21 through 100
Limit IconExclamation Icon
Out-Of-Network: 40% per stay
Limit IconExclamation Icon
Additional Coverage Icon

Transportation

All service types
Not covered
Limit Icon
Additional Coverage Icon

Vision

Contact lenses
In-Network: $0 copay
Limit Icon
Out-Of-Network: $0 copay
Limit Icon
Eyeglasses (frames and lenses)
In-Network: $0 copay
Limit Icon
Out-Of-Network: $0 copay
Limit Icon
Routine eye exam
In-Network: $0 copay
Limit Icon
Out-Of-Network: 50% coinsurance
Limit Icon
Upgrades
In-Network: $0 copay
Limit Icon
Out-Of-Network: $0 copay
Limit Icon
Eyeglass frames
In-Network: $0 copay
Limit Icon
Out-Of-Network: $0 copay
Limit Icon
Eyeglass lenses
In-Network: $0 copay
Limit Icon
Out-Of-Network: $0 copay
Limit Icon
Other
Not covered
Limit Icon
Additional Coverage Icon

Wellness programs (eg, fitness, nursing hotline)

All service types
Covered
Limit Icon
Overview Icon

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

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Get Personalized Help from a licensed insurance agent

1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week

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Every year, Medicare evaluates plans based on a 5-star rating system.

Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.

Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period

We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.

Medicare has neither approved nor endorsed any information on this site.

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