Cigna True Choice Courage Medicare (PPO)
Health Insurance Company: Cigna Healthcare
Medicare Advantage Plan Details
- Dental
- Vision
- Hearing
General Plan Details
Additional Benefits
Doctor & Hospital Coverage
Out-of-network: 50% coinsurance per visit
Out-of-network: 50% coinsurance per visit
Out-of-network: 50% coinsurance
Emergency Room
$125 copay per visit (always covered)
Ambulance Coverage
In-network: $210 copay
Out-of-network: $210 copay or 20% coinsurance
Lab, X-Ray, Radiology Coverage
Outpatient diag procs/tests/lab services:
Medicare-covered diagnostic procedures/tests: In-network: $0-150 copay
Out-of-network: 50% coinsurance
Medicare-covered lab services: In-network: $0-50 copay
Out-of-network: 50% coinsurance
Outpatient diag/therapeutic rad services:
Medicare-covered diagnostic radiological services (e.g., CT, MRI, etc): In-network: $0-150 copay
Out-of-network: 50% coinsurance
Medicare-covered x-ray services: In-network: $10 copay
Out-of-network: 50% coinsurance
Outpatient Surgery Coverage
Outpatient hospital:
Medicare-covered outpatient hospital services: In-network: $0-195 copay per visit
Out-of-network: 50% coinsurance per visit
Hospitalization Coverage
Inpatient hospital-acute:
In-network: $255 per day for days 1 through 5
$0 per day for days 6 through 90
Out-of-network: 40% per stay
Inpatient hospital psychiatric:
In-network: $255 per day for days 1 through 5
$0 per day for days 6 through 90
Out-of-network: 40% per stay
Rehabilitation Coverage
Occupational therapy services:
In-network: $30 copay
Out-of-network: 50% coinsurance
Physical therapy and speech and language therapy services:
In-network: $30 copay
Out-of-network: 50% coinsurance
Urgent Care Coverage
$30 copay per visit (always covered)
Skilled Nursing Facility (SNF)
In-network: $0 per day for days 1 through 20
$214 per day for days 21 through 100
Out-of-network: 40% per stay
Mental Health Coverage
Medicare-covered individual sessions: In-network: $0 copay
Out-of-network: 50% coinsurance
Medicare-covered group sessions: In-network: $0 copay
Out-of-network: 50% coinsurance
Dental, Vision, Hearing Benefits
Dental Services
Oral exams:
In-network: $0 copay
Out-of-network: $0 copay
Prophylaxis (cleaning):
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays:
In-network: $0 copay
Out-of-network: $0 copay
Vision Benefits
Eye exams:
Routine eye exams: In-network: $0 copay
Out-of-network: 50% coinsurance
Eyewear:
Contact Lenses: In-network: $0 copay
Out-of-network: $0 copay
Eyeglasses: In-network: $0 copay
Out-of-network: $0 copay
Hearing Benefits
Hearing exams:
Routine hearing exams: In-network: $25 copay
Out-of-network: 50% coinsurance
Hearing aids:
Hearing aids (all types): In-network: $399-1,800 copay
Out-of-network: $0 copay
More Additional Benefits
Plan Links
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