- Cigna Preferred Medicare (HMO) H3949-032 is a 2021 Medicare Advantage Plan or Medicare Part-C plan by Cigna available to residents in New Jersey. This plan includes additional Medicare prescription drug (Part-D) coverage. The Cigna Preferred Medicare (HMO) has a monthly premium of $0 and has an in-network Maximum Out-of-Pocket limit of $7,200 (MOOP).
- Cigna is a common health insurance in New York, and individuals who have Cigna may wish to find therapists who are in-network with their health insurance. When you see a therapist who is in-network with Cigna, each session you’ll pay only a copay, which typically ranges from $0-$75/session.
Cigna Preferred Medicare; Emergency Care: $120 copay per visit (always covered) Urgent Care: $0 copay: Ambulance (Ground) $200 copay: Inpatient Hospital Coverage: $225 per day for days 1 through 7 $0 per day for days 8 through 90: Outpatient Hospital Coverage: $0-275 copay per visit: Skilled Nursing Facility Stays: $0 per day for days 1 through 20.
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Cigna Preferred Medicare (HMO) H3949-032 is a 2021 Medicare Advantage Plan or Medicare Part-C plan by Cigna available to residents in New Jersey. This plan includes additional Medicare prescription drug (Part-D) coverage. The Cigna Preferred Medicare (HMO) has a monthly premium of $0 and has an in-network Maximum Out-of-Pocket limit of $7,200 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $7,200 out of pocket. This can be a extremely nice safety net.
Cigna Preferred Medicare (HMO) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your PCP will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your PCPs okay, called a referral. Services received from an out-of-network provider are not typically covered by the plan.
Cigna works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Cigna Preferred Medicare (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Cigna and not Original Medicare. With Medicare Advantage Plans you are always covered for urgently needed and emergency care. Plus you receive all of the benefits of Original Medicare from Cigna except hospice care. Original Medicare still provides you with hospice care even if you sign up for a Medicare Advantage Plan.
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2021 Cigna Medicare Advantage Plan Costs
| Name: |
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| Plan ID: | H3949-032 |
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| Provider: | Cigna |
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| Year: | 2021 |
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| Type: | Local HMO |
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| Monthly Premium C+D: | $0 |
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| Part C Premium: | $0 |
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| MOOP: | $7,200 |
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| Part D (Drug) Premium: | $0 |
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| Part D Supplemental Premium | $0 |
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| Total Part D Premium: | $0 |
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| Drug Deductible: | $0 |
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| Tiers with No Deductible: | 0 |
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| Gap Coverage: | Yes |
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| Benchmark: | not below the regional benchmark |
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| Type of Medicare Health: | Enhanced Alternative |
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| Drug Benefit Type: | Enhanced |
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| Similar Plan: | H3949-033 |
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Cigna Preferred Medicare (HMO) Part-C Premium
Cigna plan charges a $0 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
H3949-032 Part-D Deductible and Premium
Cigna Preferred Medicare (HMO) has a monthly drug premium of $0 and a $0 drug deductible. This Cigna plan offers a $0 Part D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0 this Premium covers any enhanced plan benefits offered by Cigna above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $0 . The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lower due to negative basic or supplemental premiums.
Cigna Gap Coverage
In 2021 once you and your plan provider have spent $4130 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA 'donut hole') You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This Cigna plan does offer additional coverage through the gap.
H3949-032 Formulary or Drug Coverage
Cigna Preferred Medicare (HMO) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers.By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.
2021 Cigna Preferred Medicare (HMO) Summary of Benefits
Additional Benefits
Comprehensive Dental
| Diagnostic services | Not covered |
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| Endodontics | Not covered |
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| Extractions | $0 copay |
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| Non-routine services | Not covered |
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| Periodontics | $0 copay |
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| Prosthodontics, other oral/maxillofacial surgery, other services | $0 copay |
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| Restorative services | $0 copay |
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Deductible
Diagnostic Tests and Procedures
| Diagnostic radiology services (e.g., MRI) | $0-195 copay |
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| Diagnostic tests and procedures | $0-100 copay |
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| Lab services | $0 copay |
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| Outpatient x-rays | $35 copay |
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Doctor Visits
| Primary | $0 copay |
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| Specialist | $30 copay per visit |
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Emergency care/Urgent Care
| Emergency | $90 copay per visit (always covered) |
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| Urgent care | 20% coinsurance per visit (always covered) |
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Foot Care (podiatry services)
| Foot exams and treatment | $30 copay |
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| Routine foot care | Not covered |
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Ground Ambulance
Hearing
| Fitting/evaluation | $0 copay |
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| Hearing aids - inner ear | $0 copay |
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| Hearing aids - outer ear | $0 copay |
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| Hearing aids - over the ear | $0 copay |
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| Hearing exam | $0-25 copay |
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Inpatient Hospital Coverage
$295 per day for days 1 through 7
$0 per day for days 8 through 90 |
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Medical Equipment/Supplies
| Diabetes supplies | 0-20% coinsurance per item |
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| Durable medical equipment (e.g., wheelchairs, oxygen) | 20% coinsurance per item |
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| Prosthetics (e.g., braces, artificial limbs) | 20% coinsurance per item |
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Medicare Part B Drugs
| Chemotherapy | 20% coinsurance |
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| Other Part B drugs | 20% coinsurance |
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Mental Health Services
| Inpatient hospital - psychiatric | $265 per day for days 1 through 7
$0 per day for days 8 through 90 |
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| Outpatient group therapy visit | $0 copay |
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| Outpatient group therapy visit with a psychiatrist | $0 copay |
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| Outpatient individual therapy visit | $0 copay |
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| Outpatient individual therapy visit with a psychiatrist | $0 copay |
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MOOP
Option
| Yes, contact plan for further details |
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Optional supplemental benefits
Outpatient Hospital Coverage
Preventive Care
Preventive Dental
| Cleaning | $0 copay |
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| Dental x-ray(s) | $0 copay |
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| Fluoride treatment | Not covered |
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| Oral exam | $0 copay |
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Rehabilitation Services
| Occupational therapy visit | $30 copay |
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| Physical therapy and speech and language therapy visit | $30 copay |
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Skilled Nursing Facility
$0 per day for days 1 through 20
$184 per day for days 21 through 100 |
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Transportation
Vision
| Contact lenses | $0 copay |
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| Eyeglass frames | $0 copay |
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| Eyeglass lenses | $0 copay |
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| Eyeglasses (frames and lenses) | $0 copay |
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| Other | Not covered |
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| Routine eye exam | $0 copay |
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| Upgrades | $0 copay |
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Wellness Programs (e.g. fitness nursing hotline)
Reviews for Cigna Preferred Medicare (HMO) H3949
| 2019 Overall Rating |
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| Part C Summary Rating |
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| Part D Summary Rating |
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| Staying Healthy: Screenings, Tests, Vaccines |
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| Managing Chronic (Long Term) Conditions |
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| Member Experience with Health Plan |
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| Complaints and Changes in Plans Performance |
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| Health Plan Customer Service |
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| Drug Plan Customer Service |
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| Complaints and Changes in the Drug Plan |
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| Member Experience with the Drug Plan |
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| Drug Safety and Accuracy of Drug Pricing |
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Staying Healthy, Screening, Testing, & Vaccines
| Total Preventative Rating |
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| Breast Cancer Screening |
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| Colorectal Cancer Screening |
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| Annual Flu Vaccine |
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| Improving Physical |
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| Improving Mental Health |
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| Monitoring Physical Activity |
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| Adult BMI Assessment |
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Cigna Therapist Copay Cards
Managing Chronic And Long Term Care for Older Adults
| Total Rating |
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| SNP Care Management |
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| Medication Review |
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| Functional Status Assessment |
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| Pain Screening |
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| Osteoporosis Management |
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| Diabetes Care - Eye Exam |
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| Diabetes Care - Kidney Disease |
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| Diabetes Care - Blood Sugar |
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| Rheumatoid Arthritis |
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| Reducing Risk of Falling |
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| Improving Bladder Control |
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| Medication Reconciliation |
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| Statin Therapy |
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Member Experience with Health Plan
| Total Experience Rating |
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| Getting Needed Care |
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| Customer Service |
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| Health Care Quality |
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| Rating of Health Plan |
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| Care Coordination |
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Member Complaints and Changes in Cigna Preferred Medicare (HMO) Plans Performance
| Total Rating |
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| Complaints about Health Plan |
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| Members Leaving the Plan |
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| Health Plan Quality Improvement |
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| Timely Decisions About Appeals |
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Health Plan Customer Service Rating for Cigna Preferred Medicare (HMO)
| Total Customer Service Rating |
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| Reviewing Appeals Decisions |
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| Call Center, TTY, Foreign Language |
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Cigna Preferred Medicare (HMO) Drug Plan Customer Service Ratings
Cigna Therapist Copay Card
| Total Rating |
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| Call Center, TTY, Foreign Language |
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| Appeals Auto |
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| Appeals Upheld |
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Ratings For Member Complaints and Changes in the Drug Plans Performance
| Total Rating |
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| Complaints about the Drug Plan |
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| Members Choosing to Leave the Plan |
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| Drug Plan Quality Improvement |
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Member Experience with the Drug Plan
| Total Rating |
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| Rating of Drug Plan |
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| Getting Needed Prescription Drugs |
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Drug Safety and Accuracy of Drug Pricing
| Total Rating |
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| MPF Price Accuracy |
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| Drug Adherence for Diabetes Medications |
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| Drug Adherence for Hypertension (RAS antagonists) |
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| Drug Adherence for Cholesterol (Statins) |
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| MTM Program Completion Rate for CMR |
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| Statin with Diabetes |
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Ready to Enroll?
Or Call
1-855-778-4180
Mon-Sat 8am-11pm EST
Sun 9am-6pm EST
Coverage Area for Cigna Preferred Medicare (HMO)
(Click county to compare all available Advantage plans)
| State: | New Jersey
|
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| County: | Atlantic,Burlington,Camden,Cumberland,Gloucester,
Mercer, |
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Source: CMS.
Data as of September 9, 2020.
Notes: Data are subject to change as contracts are finalized. For 2021, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part D benefit.Includes 2021 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.