Cigna Medicare Advantage Plans Review

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Expert reviewed by: Tammy Burns, insurance and healthcare consultant
Published: 3/26/2021

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Tammy Burns
Medicare advisor and nursing consultant
Tammy Burns
Medicare advisor and nursing consultant

Tammy Burns is an experienced health insurance advisor specializing in  Medicare and senior health issues, including Medicare Advantage Plans and prescription drug plans, as well as ACA certified for health insurance and other ancillary, life and annuity products.

While Cigna Medicare Advantage Plans are not yet available in all states, those who have access can take advantage of the low copays and broad range of services they offer.

With more than 180 million customers worldwide, Cigna has been a leading insurance provider for over 225 years. While access to its services had been limited in the past, the company has recently taken steps to expand to 23 states with a broader range of coverage.

Cigna is one of the most affordable Medicare Advantage options available with easy access to the basic coverages of Original Medicare plus a range of other services. While its non-HMO options have been limited in the past, Cigna has improved access to a more flexible selection of plan types. Before choosing a Cigna Medicare Advantage Plan, compare the options available in your area.

Pros and Cons of Cigna Medicare Advantage Plans

What we like about Cigna Medicare Advantage Plans:

  • $0 copay when using virtual care or visiting your primary care physician
  • Recent network growth
  • Original Medicare coverage plus dental, vision, and hearing
  • Behavioral health care and preventative care

The drawbacks of Cigna Medicare Advantage Plans:

  • Only available in 23 states
  • Not many PPO options available

What do Cigna Medicare Advantage Plans Cover?

Cigna’s Medicare Advantage Plans work the same as other insurers, providing the same coverage offered by Original Medicare. Referred to as Medicare Part C, Advantage Plans can also cover additional services depending on your chosen plan. These can include dental, vision, behavioral health, wellness programs, and prescription drug coverage. The goal is for Medicare Advantage to serve as your one-stop source for medical coverage.

Cigna Medicare Advantage Plan Options

Cigna offers three major Medicare Advantage Plans, including two HMOs and one PPO option. The first HMO plan, Cigna Preferred Medicare, has the lowest out-of-pocket costs, although you have to choose a primary care physician and stay within the preapproved provider network. The Cigna Premier Medicare plan is an HMO-POS, which offers many of the same advantages of a regular HMO plan, but gives you more options when choosing a specialist outside of the network.

Cigna True Choice Medicare is a PPO plan with a higher cost but the greatest flexibility when choosing a provider. Like the two HMO plans, it has a $0 monthly premium and annual deductible.

Compare your Cigna Medicare Advantage Plan options before making a decision:

Plan Name Monthly premium Annual deductible Office visits Telehealth Emergency room Annual maximum out-of-pocket cost
Cigna Preferred Medicare (HMO) $0 $0 $0 PCP/$20 specialist Speak to network telehealth providers $120 (waived if admitted to hospital within 24 hours) $3,450
Cigna Premier Medicare (HMO-POS) $0 $0 $0 PCP/$30 specialist Speak to network telehealth providers $90 (waived if admitted to hospital within 24 hours) $4,500
Cigna True Choice Medicare (PPO) $0 $0 $0 PCP/$30 specialist Speak to network telehealth providers $90 (waived if admitted to hospital within 24 hours) $4,400

*Based on pricing in Chicago, IL

Cigna Medicare Advantage Plans Reviews and Ratings

According to reviews of the insurer, Cigna provides a consistent, trustworthy service that customers can rely on. But in some cases, reviews are more neutral than wholeheartedly positive, and Cigna has also received a number of customer complaints over the years.

The National Committee for Quality Assurance has given Cigna ratings between 2.5 and 4.5 stars, depending on the state. This places the insurer in the average to high-performance categories. Of the eight state plans reviewed, three are accredited with the NCQA.

The carrier scored an A+ with the Better Business Bureau, although it has received 567 complaints within the last three years.

Cigna has achieved a rating slightly above 3.0 out of 5 stars with Consumer Affairs. This rating was based on 168 customer reviews. Many customers appreciated Cigna’s reliable and expedient services, as well as its low copays.

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