by Russell Noga | Updated February 7th, 2024
Searching for the details on Cigna True Choice Medicare PPO H7849 001? Look no further. This $0 monthly premium plan offers vital insights on benefits and drug coverage for savvy healthcare consumers. Our guide breaks down what you get, the costs you’ll face, and how it stacks up against the competition, ensuring you make an empowered choice.
Key Takeaways
- The Cigna True Choice Medicare PPO H7849 001 plan is a $0 monthly premium, comprehensive Medicare Advantage plan that includes prescription drug coverage and supplemental benefits, with a maximum in-network out-of-pocket cost of $5,200.
- Prescription coverage under this plan has a $0 annual deductible for in-network providers, enhanced Medicare Part D benefits with better cost-sharing, and the convenience of mail-order prescription services.
- The plan offers out-of-network flexibility, although higher copayments and coinsurance may apply, with an annual out-of-network cap of $11,300 for Medicare-covered benefits and includes extra benefits such as mental health services, dental, vision, and hearing aid support.
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Exploring the Cigna True Choice Medicare PPO H7849 001
The Cigna True Choice Medicare PPO H7849 001 plan is a comprehensive 2024 Medicare Advantage PPO plan, offering prescription drug benefits and all Original Medicare benefits, with possible supplementary services. The monthly premium for this plan comes at no cost, providing an attractive option for those seeking comprehensive coverage without the burden of hefty premiums.
Bear in mind that the maximum out-of-pocket (MOOP) expense within the network is $5,200. You should review various Medicare Drug formularies and choose a plan that covers your necessary medications, taking into account cost-sharing, to guarantee drug coverage.
The Basics of Your Monthly Premium
With the Cigna True Choice Medicare PPO H7849 001 plan, the monthly premium is a perfect round figure: zero dollars. When compared to other similar plans, this is quite an advantage. On average, a Cigna Medicare Advantage plan costs $7 per month. However, in most areas, Cigna offers at least one plan with no monthly cost, which also provides nationwide in-network coverage.
You may question the differences between Part C and Part B premiums. Medicare Part B premiums offer coverage for medical insurance, whereas Medicare Part C premiums might differ based on the specific plan you opt for. Grasping this distinction is vital for understanding your total healthcare expenses.
Understanding Your Prescription Coverage
When it comes to prescription coverage, the Cigna True Choice Medicare PPO plan offers:
- An enhanced benefit Medicare Part D plan (PDP)
- Higher actuarial value compared to basic plans
- More comprehensive coverage, covering a greater percentage of prescription drug costs
- Better cost-sharing options
How does this affect you? In essence, while there are costs associated with getting your prescriptions, particularly with out-of-network providers, the overall benefits surpass these costs. That renders the plan a viable option for those who need regular prescription medications.
Plus, the total premium for Part D coverage, which includes both supplemental and basic premiums, is zero dollars.
Out-of-Network Freedom and Costs
One of the key advantages of the Cigna True Choice Medicare PPO plan is its flexibility with out-of-network coverage. This means you have the freedom to seek medical treatment from out-of-network healthcare providers, though it’s worth noting that this may result in higher copay or coinsurance.
You should be aware that using out-of-network services could entail extra charges, such as out of pocket costs. For instance, you may incur the difference between the out-of-network bill and the PPO’s discounted rate. Out-of-network providers can bill you the full price for their services, which is typically at a higher rate than in-network providers, leading to increased expenses you have to pay.
Furthermore, the plan sets an annual cap of $11,300 for out-of-network coverage for Medicare-covered benefits.
Coverage Highlights of Cigna True Choice Medicare PPO
The Cigna True Choice Medicare PPO plan extends its coverage beyond the basics, offering a plethora of benefits that cater to a wide range of healthcare needs. The plan stands out due to its diverse coverage, from mental health services to durable medical equipment and inpatient care. Let’s examine these aspects in detail.
Emphasis on Mental Health Services
The Cigna True Choice Medicare PPO plan, offered by Cigna Healthcare, recognizes the importance of mental health care, providing coverage for a variety of services, including:
- Therapy
- Counseling
- Inpatient care
- Outpatient care
This coverage applies whether you’re seeing an in-network or out-of-network provider.
Psychiatric hospitalizations are also covered under the plan’s mental health services. For inpatient mental health care, you’d be looking at a cost of $595 per day for days 1-3 and $0 per day for days 4-90. For outpatient mental health care, if you’re seeing an out-of-network provider, the plan involves a co-payment of $55.00 per session and a coinsurance of 40%.
Durable Medical Equipment and Diabetes Supplies
Whether you need a continuous glucose monitor or an external insulin pump, the Cigna True Choice Medicare PPO plan has got you covered. The plan offers coverage for a range of durable medical equipment and diabetes supplies, including:
- Continuous glucose monitors
- Insulin pumps
- Blood glucose meters
- Test strips
- Lancets
- Insulin syringes
- Insulin pen needles
This makes it a suitable option for individuals managing diabetes.
But what about the costs? Under this plan, the coinsurance for durable medical equipment covered by Medicare amounts to 35% when using in-network providers. And if you need to get your equipment repaired or replaced? The plan has got you covered for that too.
Inpatient Hospital Care and Skilled Nursing Facility Benefits
When it comes to inpatient hospital care, the Cigna True Choice Medicare PPO plan has a comprehensive coverage plan. It covers inpatient hospital care at a rate of $285 per day for days 1-5 and then $0 per day for days 6-90 when using in-network providers. The plan also provides consultative services to assist with caregiving and social health needs.
For skilled nursing facility services, the plan offers in-network coverage at a rate of $10.00 per day for the first 20 days. Out-of-network coverage comes with a 50% coinsurance per stay. The benefits include home health services, skilled nursing facility care, and podiatry services.
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Extra Benefits and Wellness Programs
One of the great things about the Cigna True Choice Medicare PPO plan is the extra benefits and wellness programs it offers. Some of these benefits include:
- Vision and hearing aid support
- Dental care advantages
- Fitness and wellness programs
- Prescription drug coverage
- Preventive care services
The plan is designed to promote overall wellness and help you lead a healthier lifestyle.
Vision and Hearing Aid Support
As part of the plan’s commitment to overall wellness, it provides coverage for a variety of vision and eye services. This includes:
- Eyeglass frames
- Prescription lenses
- Routine glaucoma screenings
- Diabetic retinal exams when using in-network providers
While there may be frequency and dollar limitations for vision services, the broad scope of coverage makes it a beneficial aspect of the plan.
When it comes to hearing aids, the plan provides support, albeit with some potential limitations based on the provider network. But rest assured, the plan includes 50% coverage for one fitting evaluation when using in-network providers, and the specific cost-sharing will depend on the selected hearing aid model.
Dental Care Advantages
For those who value oral health, the Cigna True Choice Medicare PPO plan offers comprehensive dental care coverage. Members are entitled to complimentary preventive dental care, including exams, cleanings, and routine X-rays every 6 months when using in-network providers.
But the benefits don’t stop at preventive care. The plan also covers comprehensive dental procedures including:
- Crowns
- Fillings
- Root canals
- Tooth extractions
- Dentures
- Additional X-rays
- Periodontics
And if you’re wondering about orthodontic services, you’ll be pleased to know they’re also covered. The plan offers an annual maximum coverage amount of $1,400 for both preventive and comprehensive dental care.
Navigating Prescription Drug Plans with Cigna
When it comes to prescription drug plans, the Cigna True Choice Medicare PPO plan makes navigation a breeze. With its zero-dollar annual deductible and convenient mail-order prescription services, managing your medication needs has never been easier.
Let’s examine the details more closely.
Zero Dollar Annual Deductible
One of the key advantages of the Cigna True Choice Medicare PPO plan is its zero-dollar annual deductible. This means there are no initial costs for your prescription drug coverage before your plan starts covering its portion when using in-network providers. This can result in better cost sharing for you.
So, what does this mean for you? Simply put, a zero-dollar annual deductible in prescription drug coverage means you can have immediate access to your prescription medications from the onset of your plan coverage, making them more affordable.
Mail-Order Convenience
In today’s digital age, convenience is key. That’s why the Cigna True Choice Medicare PPO plan offers a mail-order program for prescription drugs. Your physician can prescribe a 90-day supply of medication, which can be filled at a network pharmacy or through the plan’s mail-order service.
To enroll in this service, you can call the number provided or fill out an order form and send it to Express Scripts Pharmacy. This allows you to receive up to a 3-month supply of your covered prescription drugs delivered directly to your home, saving you time and effort.
How to Maximize Your Plan Benefits
Are you ready to unlock the full potential of your Cigna True Choice Medicare PPO plan? Understanding how to maximize your plan benefits can help you get the most out of your healthcare coverage. Let’s look at strategies to achieve this.
Smart Use of In-Network Providers
One of the easiest ways to maximize your plan benefits is by utilizing in-network providers. By doing so, you can enjoy reduced healthcare costs and gain access to consultative services for caregiving, social health needs, and stress management through network 0.
How can in-network providers help optimize your plan? By providing low copays and eliminating the annual deductible, in-network providers can help you make substantial reductions in your out-of-pocket expenses for a variety of benefits. This makes seeking healthcare services a less financially burdensome process.
Making Informed Decisions About Services and Coverage
Making informed decisions about your healthcare services and coverage can go a long way in maximizing your plan benefits. Understanding your health benefits and being knowledgeable about how to appeal or request a review of coverage decisions are crucial steps in this process.
But how can you make these informed decisions? Cigna provides resources like the Regional Care Centers, the Cigna for Health Care Professionals website, and the Cigna Cost of Care Estimator. These resources can provide you with up-to-date information and help you understand the expenses related to healthcare, enabling you to make well-informed decisions.
Availability and Enrollment Information
Ready to join the Cigna True Choice Medicare PPO plan? Understanding the availability and enrollment process is the first step. Let’s look at the eligibility criteria, the enrollment period, and the necessary documentation.
Comparing Cigna True Choice Medicare PPO to Other Medicare Advantage Plans
It’s always a good idea to explore all your options before making a decision. When it comes to Medicare Advantage plans, the Cigna True Choice Medicare PPO plan offers a number of advantages over other plans in the market. Let’s examine the details.
Navigating the Medicare Advantage Landscape
Navigating the Medicare Advantage landscape can be a daunting task, but it doesn’t have to be. By understanding the evolving customer landscape, staying informed about regulatory changes, and carefully considering professional strategy recommendations, you can make informed decisions and choose the best plan for you.
Summary
We’ve covered a lot of ground in this blog post, from exploring the features and benefits of the Cigna True Choice Medicare PPO plan to navigating the Medicare Advantage landscape. But the most important takeaway is that the Cigna True Choice Medicare PPO plan offers comprehensive coverage, flexibility, and a host of additional benefits and wellness programs, making it a strong contender in the Medicare Advantage landscape.
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Frequently Asked Questions
What is Cigna True Choice Medicare?
Cigna True Choice Medicare is a PPO plan with a network of providers including doctors, hospitals, and pharmacies. You may use out-of-network providers, but there will be a higher copay or coinsurance.
What is the name of Cigna’s Medicare PPO plan?
The name of Cigna’s Medicare PPO plan is the Cigna True Choice Medicare PPO. This plan offers prescription drug coverage and is a widely available option for Medicare beneficiaries.
Is Cigna a good Medicare plan?
Cigna’s Medicare Advantage plans are rated 4 stars from CMS and offer low-cost options with satisfactory ratings from third-party agencies. However, the company has a below-average score for customer satisfaction.
What is Cigna PPO Choice Fund?
Cigna PPO Choice Fund is a plan that combines a medical coverage plan with a consumer health care account, offering flexibility and choice in healthcare options.
What is the monthly premium for the Cigna True Choice Medicare PPO plan?
The monthly premium for the Cigna True Choice Medicare PPO plan is $0, making it a cost-effective option for many individuals.
Speak to the Professionals about Medigap Plans and Original Medicare
If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about Cigna True Choice Medicare PPO H7849 001, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.
We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.