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Alex Enabnit

3.3/5 (Medicare Rating)

Types of Plans:

  • HMO
  • PPO
  • MAPD
  • HMO-SNP
  • HMO-POS

UPDATE: In the wake of the COVID-19 pandemic, Cigna is one of several insurance companies that is directly addressing customers’ questions about the virus and/or providing specialized service options to ensure the safety of customers and agents alike. For up-to-date information, visit Cigna’s website.


Cigna is the seventh-largest Medicare Advantage (Part C) provider in the United States, offering benefits above and beyond what Original Medicare provides.1 With over 435,000 members enrolled in a Cigna Medicare Advantage plan, Cigna is expanding and looking to add more PPO plans to their HMO-majority offerings.2

Is a Cigna Medicare Advantage plan right for you?

Cigna could be a good option for you, especially if you have these specific needs:

  • Looking for an HMO plan: Most of Cigna’s plans are HMOs, but they do offer some HMO-POS plans as well.
  • Require a Special Needs Plan: Cigna offers quite a few SNPs compared to other healthcare providers.
  • Take prescription drugs: Many of Cigna’s plans come with Part D prescription drug coverage.

States Cigna serves:

Cigna sells Medicare Advantage plans in 26 states (plus Washington DC):

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • New Jersey
  • North Carolina
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas

Cigna Medicare Advantage policies

Cigna offers mostly HMO Medicare Advantage plans. However, they also provide quite a few HMO-SNP plans for people who are eligible for both Medicare and Medicaid.

In nearly all (89%) of their plans, Cigna Medicare Advantage plans come with $0 premiums.3 That’s ahead of a national trend toward $0 premiums: Just over half of all Medicare Advantage plans on the market (with prescription drug coverage) also have $0 premiums.4

Cigna sample plans*

 Cigna-HealthSpring Preferred (HMO)Cigna-HealthSpring Preferred (PPO)Cigna-HealthSpring Premier (HMO-POS)Cigna-HealthSpring TotalCare (HMO SNP)Cigna-HealthSpring PreventiveCare (HMO)
LocationMesa, AZ 85209Garland, TX 75040Monroe, GA 30655Winter Haven, FL 33880Washington, DC 20002
Drug coverageYesYesYesYesYes
Deductible$0$1,000$0$0$0
Out-of-pocket maximum$3,200$4,900 in network; $6,700 combined$4,900$3,400$6,700
Primary care physician$0$0 in network;
50% out of network
$0 in network;
30% out of network
$0$0
Specialist$25$35 in network;
50% out of network
$20 in network;
30% out of network
$0$45
NetworkMust stay in networkLower costs for in-network servicesLower costs for in-network servicesMust stay in networkMust stay in network
Plan #H0354-001H7787-001H0439-006H5410-025H2108-028
*Sample plans based on Cigna.com and are for illustration purposes only. Actual plans may vary. Data effective 12/12/2019.

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Cigna-HealthSpring Preferred (HMO)

The Cigna-HealthSpring Preferred plan is an HMO, meaning you must receive all your care within Cigna’s network. You will also need referrals from your primary care physician to see specialists or receive other treatments.

With a $0 deductible, this plan comes with $0 primary care visits and Part D prescription drug coverage.  It includes an eye exam every two years, but, while dental and hearing benefits aren’t part of the standard plan, there is an option to add preventive and comprehensive dental coverage for an additional premium.

The Preferred plan could be a good option for those who want an affordable Medicare Advantage plan and don’t mind getting referrals from their primary care physician before seeing specialists or receiving other treatments. For those seeking extra benefits without an additional cost, this may not be a good fit.

Cigna-HealthSpring Preferred (PPO)

In a PPO like the Cigna-HealthSpring Preferred plan, you have access to services in and out of the network. However, it’s generally easier on your wallet to stay in network, both in terms of copayments and minimizing your maximum out-of-pocket cost.

The plan we sampled comes with hearing, vision, and dental (preventive and comprehensive) benefits with copayments that are affordable—at times as low as $0. It also includes a 24-hour health information line that you can use to talk to a clinician as well as a gym membership for no additional charge.

The Cigna-HealthSpring Preferred PPO plan could be a good option for people who want a Medicare Advantage plan with plenty of perks, but the freedom to go outside their network.

Cigna-HealthSpring Premier (HMO-POS)

In an HMO-POS, people have an HMO network, but they also may go out of the network if they need to. However, services will generally be cheaper in the network. An HMO-POS is very similar to a PPO plan, except that you may have to get a doctor referral for a specialist in an HMO-POS, but not in a PPO.

The Premier plan we sampled includes dental (preventive and comprehensive), vision, and hearing benefits with copayments ranging from $0 to $30. It also comes with a gym membership at no additional cost and Part D prescription drug benefits.

Overall, the Cigna-HealthSpring Premier plan provides great additional benefits over traditional Medicare and the freedom to go out of network. It could be a good fit for anyone looking for a plan with flexibility and extra perks like dental, vision, hearing, and a fitness membership.

Cigna-HealthSpring TotalCare (HMO SNP)

An HMO SNP like the CignaHealthSpring TotalCare plan only takes members who are eligible for both Medicare and Medicaid. Once you’re enrolled, the plan covers services within the network. But in a Special Needs Plan (SNP) like this one, costs are drastically reduced compared to a regular HMO.

It’s worth mentioning that the plan we sampled was awarded the coveted 5/5 Medicare Star Rating for outstanding quality and service. It’s also very affordable, with $0 copayments for many types of treatment (although authorization or referrals may be required). It offers drug benefits, as well as hearing, dental (preventive and comprehensive), and vision benefits.

Overall, this is an excellent plan with high ratings and comprehensive coverage for anyone in the service area—if they qualify for both Medicare and Medicaid. But if you don’t care for the HMO model, you may not prefer the TotalCare plan.

Cigna-HealthSpring Preferred (HMO)

With Cigna-HealthSpring Preferred (HMO) your coverage is valid only for health care services within Cigna’s network. If you need to see a specialist or receive other treatments, you’ll likely need a referral from a primary care physician.

The plan we sampled includes Part D prescription drug coverage. It also comes with hearing, vision, and comprehensive dental benefits. It also includes a gym membership with no extra costs.

The Cigna-Healthspring PreventiveCare plan could be a good option for anyone who plans on staying in-network for their health care services. It could also work for those who want extra benefits and a $0 copay to see their primary care physician.

Bottom line: Cigna’s plans pack in the benefits for less

Many of Cigna’s plans come with dental, vision, and hearing benefits with no additional cost.

Cigna is not shy about adding benefits to their Medicare Advantage offerings. The company delivers a strong portfolio of HMO and HMO-SNP plans. If you live in Cigna’s service area, consider checking out what they can offer you. Just call the number below.

Get A Quote


OR

Call to speak with a Licensed Agent

855-802-1206

Want to learn more?

To see more about Cigna or learn more about Medicare, see these links:

Cigna FAQ

What dates does Cigna sell Medicare Advantage plans?

You can enroll in a Cigna Medicare Advantage plan during the Annual Medicare Open Enrollment period from October 15 through December 7. You may also be able to use the Medicare Advantage Open Enrollment Period from January 1until March 31 every year.

Or, if you’re new to Medicare, you may have an enrollment period as well. See our Enrollment Period explainer for more information.

What is the difference between Cigna-Healthspring Medicare Advantage and Aetna Medicare Advantage PPO?

Most of Cigna-Healthspring’s plans are HMOs, meaning enrollees must stay in the plan’s network for health care coverage. In a PPO, a person may go outside of the network, although it may cost more. However, Cigna offers a few PPOs and even HMO-POS plans, which have more flexibility than a traditional HMO.

Check out our comparison article on Cigna vs. Aetna.

Content on this site has not been reviewed or endorsed by the Centers for Medicare & Medicaid Services, the United States Government, any state Medicare agency, or any private insurance agency (collectively “Medicare System Providers”). Eligibility.com is a DBA of Clear Link Technologies, LLC and is not affiliated with any Medicare System Providers.