Cigna Medicare Advantage Plans Review

checkmark Fact checked Reviewed by: Leron Moore, Medicare consultant - Published: April 30, 2021

 

Quick Cigna Medicare Advantage plans review: Cigna offers affordable health plans in 16 states, but network providers and coverage options may be limited.

 

Cigna is an international health insurance provider that’s been in business for over 225 years. It serves over 17 million customers and manages Medicare Advantage Plans in 16 states and Washington, D.C., and prescription drug plans in every state. The company provides a network of support for its customers, including a free 24/7 Veteran Support Line and 22 service centers across the United States that offer around-the-clock medical and dental care. Cigna’s plans are generally affordable, but you’re limited to getting care from network providers. Reviewing the plans’ provider networks and formularies, in addition to out-of-pocket costs, is essential when looking for a plan that meets your needs.

What Do Cigna Medicare Advantage Plans Cover? 

Like all Medicare Advantage Plans, Cigna’s Medicare Advantage Plans combine services in Original Medicare Parts A and B into a single plan. These plans cover at least as much as Original Medicare, but in many cases, they have additional coverage options. For example, Cigna’s plans have prescription drug coverage, and many include dental services.  

Generally speaking, how much you pay for your Medicare Advantage Plan depends on factors such as the type of plan you choose and its benefits. Unless you qualify for financial assistance, you must pay the Part B monthly premium, which is $148.50 in 2021, but your plan may have an additional premium to account for its more robust coverage. In 2020, the average monthly premium for a plan that included prescription drug coverage is $36, and the average annual out-of-pocket maximum was $4,925.  

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What Are Cigna Medicare Advantage Plan Options? 

In Phoenix, AZ, for example, Cigna offers three Medicare Advantage Plans, all of which are HMOs. While these plans tend to be the most affordable, the trade-off is that you’re limited to seeing only the providers in your plan’s network. None of these plans have annual deductibles or monthly premiums beyond the Part B premium, and annual out-of-pocket maximums are $3,200 or $3,450, depending on the plan you choose.

You can see your primary care doctor without paying a copay, and visits to specialists are affordable, ranging between $5 and $25 per visit. All plans have emergency room fees of $120, but this fee is waived if you’re admitted to the hospital. Many Cigna Medicare Advantage Plans come with ancillary benefits.  

Review these three Cigna Medicare Advantage plans to see if one is right for you: 

Cigna Medicare Advantage Plans
Plan Name Monthly premium Annual deductible Office visits Telehealth Emergency room Annual maximum out-of-pocket cost
Cigna Alliance Medicare (HMO) $0 $0 $0 primary care/$5 specialist $0 primary care/$5 physical therapy $120 $3,200
Cigna Achieve Medicare (HMO C-SNP) $0 $0 $0 primary care/$20 specialist $0 primary care/$20 physical therapy $120 $3,450
Cigna Preferred Medicare (HMO) $0 $0 $0 primary care/$25 specialist $0 primary care/$25 physical therapy $120 $3,450

*Based on pricing in (Phoenix, AZ)  

Pros and Cons of Cigna Medicare Advantage Plans 

What we like about Cigna Medicare Advantage plans: The drawbacks of Cigna Medicare Advantage plans:
 

  • No monthly premiums or annual deductibles 
  • Low annual out-of-pocket maximums 
  • Affordable copays
 

  • Only HMOs available
  • Not all plans include dental coverage 
  • Plans are only available in 16 states 

Cigna Medicare Advantage Plans Reviews and Ratings 

Cigna has an A+ ranking by the Better Business Bureau. In the past three years, Cigna has closed 544 complaints.

Cigna has eight plans rated by the National Committee for Quality Assurance, about half of which are accredited by the organization. One plan has a high-performance rating of 4.0, while the others have midrange ratings between 2.5 and 3.5. Across the three metrics, including Consumer Satisfaction, Prevention, and Treatment, most plans have midrange scores between 2.5 and 3.5.  

Consumer Affairs gives Cigna a rating of 3.6 out of 5 stars based on 278 customer reviews submitted in the last year. Many customers speak highly of the plan’s affordability and provider network, although for some, medical expenses weren’t covered to the extent that they expected.  

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Reviewed by:

Leron Moore, Medicare consultant

Leron Moore has guided Medicare beneficiaries and their families as a Medicare professional for nearly 15 years. First as a Medicare provider enrollment specialist, and now a Medicare account executive, Moore works directly with Medicare beneficiaries to ensure they understand Medicare and Medicare Advantage Plans.