Cigna True Choice Access Medicare (PPO)

3 out of 5 stars* for plan year 2024
$0.00 Monthly Premium

Cigna True Choice Access Medicare (PPO) is a PPO Medicare Advantage (Medicare Part C) plan offered by Cigna Healthcare

Plan ID: H7849-116-000

$0.00 Monthly Premium

Florida Medicare beneficiaries may want to consider reviewing their Medicare Advantage (Medicare Part C) plan options. A Medicare Advantage plan combines your Original Medicare (Part A and Part B) benefits into a single plan.

Most Medicare Advantage plans cover prescription drugs, and many plans may offer other extra benefits Original Medicare doesn’t cover.

Learn more about Florida Medicare Advantage plans like the one below and find a plan that offers the benefits you want at an affordable price.

Basic Costs and Coverage

Coverage Details
Monthly plan premium$0.00
Vision coverage
Dental coverage
Hearing coverage
Prescription drugs
Medical deductible$0.00
Out-of-pocket maximum$4,600.00
Initial drug coverage limit$0.00
Catastrophic drug coverage limit$8,000.00
Primary care doctor visit$0

Out of Network
$0
Specialty doctor visit$30

Out of Network
$30
Inpatient hospital care$215 per day for days 1-6
$0 per day for days 7-90

Out of Network
$215 per day for days 1-6
$0 per day for days 7-90
Urgent care$20
Copay is waived if hospital admission occurs within: 24 hours

Worldwide Urgent Coverage: $120
Emergency room visit$120
Copay is waived if hospital admission occurs within: 24 hours

Worldwide Emergency Coverage: $120
Ambulance transportationAmbulance - Ground: $265
Ambulance - Air: 20%

Out of Network
Ambulance - Ground: $265
Ambulance - Air: 20%

Health Care Services and Medical Supplies

Cigna True Choice Access Medicare (PPO) covers a range of additional benefits. Learn more about Cigna True Choice Access Medicare (PPO) benefits, some of which may not be covered by Original Medicare (Part A and Part B).

Coverage Details
Chiropractic services$15
Routine Chiropractic (Supplemental): Not covered

Out of Network
$15
Diabetes supplies, training, nutrition therapy and monitoringIf you’re managing diabetes, Cigna Healthcare makes it easier and more affordable to get monitoring and testing supplies. Your plan covers preferred brand diabetic supplies plus home delivery options. So you have less to worry about.

Diabetic Supplies: $0
Diabetic Therapeutic Shoes or Inserts: 20%

Out of Network
$0
Diabetic Therapeutic Shoes or Inserts: 20%
Durable medical equipment (DME)20%

Out of Network
20%
Diagnostic tests, lab and radiology services, and X-raysLab Services: 0 - 20%
Diagnostic Radiological Services: $0 - $195
X-Ray Services: $0 - $25

Out of Network
Lab Services: 0 - 20%
Diagnostic Radiological Services: $0 - $195
X-Ray Services: $0 - $25
Home health care$0

Support for Caregivers of Enrollees: Not covered


Out of Network
$0
Mental health inpatient care$215 per day for days 1-6
$0 per day for days 7-90

Out of Network
$215 per day for days 1-6
$0 per day for days 7-90
Mental health outpatient carePsychiatric-Individual: $0
Psychiatric-Group: $0

Out of Network
Psychiatric-Individual: $0
Psychiatric-Group: $0
Outpatient services/surgery
Out-of-Network:

Outpatient Hospital and ASC Services:
Copayment for Medicare Covered Outpatient Hospital Services $0.00 to $215.00
Copayment for Medicare Covered Ambulatory Surgical Center Services $0.00 to $215.00
Outpatient substance abuse care$30

Out of Network
$30
Over-the-counter items$80 every three months

Out of Network
Combined with in-network

Delivered via Cigna Health Today card
Podiatry services$30

Out of Network
$30
Skilled Nursing Facility (SNF) care$0 per day for days 1-20
$203 per day for days 21-100

Out of Network
$0 per day for days 1-20
$203 per day for days 21-100

Dental Benefits

The following dental services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.

Coverage Details
Dental careDental Allowance

Maximum Coverage amount for Preventive Dental: $1,600 combined preventive and comprehensive every year

Maximum Coverage Amount for Comprehensive Dental: $1,600 combined preventive and comprehensive every year

Out of Network
Dental Allowance
Maximum Coverage amount for Preventive Dental: Combined with in-network
Maximum Coverage Amount for Comprehensive Dental: Combined with in-network

Vision Benefits

The following vision services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.

Coverage Details
Vision benefitsRoutine Eye Exams: $0 for one routine exam every year

Eye Exams (Medicare-covered): $0 - $30

Max Coverage Amount for Routine Eye Wear Coverage : $250 every year

Out of Network
50% for one routine exam every year
Eye Exams (Medicare-covered): $0 - $30
Max Coverage Amount for Routine Eye Wear Coverage : Combined with in-network

Hearing Benefits

The following hearing services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.

Coverage Details
Hearing benefits$30

Fitting/Evaluation for Hearing Aids: $0 for one fitting evaluation for hearing aid every year

Hearing Aids: Hearing aids (all types): two every year
Cost Sharing: $399 - $1,800 per device
Actual cost-share will depend on hearing aid selected.

Out of Network
$30
Fitting/Evaluation for Hearing Aids: 50% for one fitting evaluation for hearing aid every year
Hearing Aids: Combined with in-network
Cost Sharing: Combined with in-network
Actual cost-share will depend on hearing aid selected.

Preventive Services and Health/Wellness Education Programs

The following services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.

Coverage Details
Preventive services and health/wellness education programs
Out-of-Network:

Medicare-covered Zero Dollar Preventive Services:
Copayment for Medicare Covered Medicare-covered Preventive Services $0.00

When reviewing Florida Medicare plans, be sure to find out if your doctors are part of the plan network. If a Medicare Advantage plan covers prescription drugs, make sure the plan formulary (list of drugs covered by the plan) includes your drugs.

You may be able to find plans in your part of Florida that offer similar benefits at similar or lower prices than the plan above. Call 1-855-580-1854 TTY 711, 24/7 to speak with a licensed insurance agent who can help you compare plans.

Plan Documents

Links to plan documents

Florida Counties Served

We represent carriers such as Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.

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