Sometimes, navigating your health care options can feel like wandering through a poorly lit maze. There are so many different options, each with its own acronym that it can be hard to keep them all straight. For example, you may have heard that the flexibility of PPO plans makes them a better option for many families. If your employer offers Cigna's Open Access plans, you're in luck: Open. Disclaimer Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their.
This skill is part of Amazon.com’s platform and is operated and serviced by Amazon, not Cigna. In addition, when using this skill, please understand that your Protected Health Information is safeguarded by state and federal data privacy laws, including the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”). There are no copays when you use a doctor or facility that is out-of-network. But you are responsible for paying the coinsurance, or a percentage of covered charges. This may be much higher than the in-network copay or coinsurance amount. $30 copay/visit Deductible does not apply Not covered None Specialist visit Tier 1 Specialist: $45 copay/visit. Non-Tier 1 Specialist: $70 copay/visit.Deductible does not apply Not covered None No charge/visit. No charge/screening. No charge/immunizations. Not covered None If you visit a health care provider's office or clinic.
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Cigna True Choice Medicare (PPO) H7849-002 is a 2021 Medicare Advantage Plan or Medicare Part-C plan by Cigna available to residents in Illinois. This plan includes additional Medicare prescription drug (Part-D) coverage. The Cigna True Choice Medicare (PPO) has a monthly premium of $0 and has an in-network Maximum Out-of-Pocket limit of $4,400 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $4,400 out of pocket. This can be a extremely nice safety net.
Cigna True Choice Medicare (PPO) is a Local PPO. Gris. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of 'preferred' providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.
Cigna works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Cigna True Choice Medicare (PPO) 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: | |
|---|---|
| Plan ID: | H7849-002 |
| Provider: | Cigna |
| Year: | 2021 |
| Type: | Local PPO |
| Monthly Premium C+D: | $0 |
| Part C Premium: | $0 |
| MOOP: | $4,400 |
| Part D (Drug) Premium: | $0 |
| Part D Supplemental Premium | $0 |
| Total Part D Premium: | $0 |
| Drug Deductible: | $0 |
| Tiers with No Deductible: | 0 |
| Gap Coverage: | No |
| Benchmark: | not below the regional benchmark |
| Type of Medicare Health: | Enhanced Alternative |
| Drug Benefit Type: | Enhanced |
| Similar Plan: | H7849-003 |
Cigna True Choice Medicare (PPO) 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.
H7849-002 Part-D Deductible and Premium
Cigna True Choice Medicare (PPO) 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. Simply chess - premium upgrade! download free. (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 not offer additional coverage through the gap.
H7849-002 Formulary or Drug Coverage
Cigna True Choice Medicare (PPO) 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 True Choice Medicare (PPO) Summary of Benefits
Additional Benefits
| No |
|---|
Comprehensive Dental
| Diagnostic services | $0 copay |
|---|---|
| Diagnostic services | $0 copay (Out-of-Network) |
| Endodontics | $0 copay |
| Endodontics | $0 copay (Out-of-Network) |
| Extractions | $0 copay |
| Extractions | $0 copay (Out-of-Network) |
| Non-routine services | $0 copay |
| Non-routine services | $0 copay (Out-of-Network) |
| Periodontics | $0 copay |
| Periodontics | $0 copay (Out-of-Network) |
| Prosthodontics, other oral/maxillofacial surgery, other services | $0 copay |
| Prosthodontics, other oral/maxillofacial surgery, other services | $0 copay (Out-of-Network) |
| Restorative services | $0 copay |
| Restorative services | $0 copay (Out-of-Network) |
Deductible
| $0 |
|---|
Diagnostic Tests and Procedures
| Diagnostic radiology services (e.g., MRI) | $0-150 copay |
|---|---|
| Diagnostic radiology services (e.g., MRI) | 30% coinsurance (Out-of-Network) |
| Diagnostic tests and procedures | $0-50 copay |
| Diagnostic tests and procedures | 30% coinsurance (Out-of-Network) |
| Lab services | $0 copay |
| Lab services | 0-30% coinsurance (Out-of-Network) |
| Outpatient x-rays | $10 copay |
| Outpatient x-rays | 30% coinsurance (Out-of-Network) |
Doctor Visits
| Primary | $0 copay |
|---|---|
| Primary | $15 copay per visit (Out-of-Network) |
| Specialist | $30 copay per visit |
| Specialist | $40 copay per visit (Out-of-Network) |
Emergency care/Urgent Care
| Emergency | $90 copay per visit (always covered) |
|---|---|
| Urgent care | $30 copay per visit (always covered) |
Foot Care (podiatry services)
| Foot exams and treatment | $30 copay |
|---|---|
| Foot exams and treatment | $40 copay (Out-of-Network) |
| Routine foot care | Not covered |
Ground Ambulance
| $225 copay |
|---|
| $225 copay (Out-of-Network) |
Hearing
| Fitting/evaluation | $0 copay |
|---|---|
| Fitting/evaluation | 30% coinsurance (Out-of-Network) |
| Hearing aids - inner ear | $0 copay |
| Hearing aids - inner ear | $0 copay (Out-of-Network) |
| Hearing aids - outer ear | $0 copay |
| Hearing aids - outer ear | $0 copay (Out-of-Network) |
| Hearing aids - over the ear | $0 copay |
| Hearing aids - over the ear | $0 copay (Out-of-Network) |
| Hearing exam | $0-30 copay |
| Hearing exam | $40 copay (Out-of-Network) |
Inpatient Hospital Coverage
| $300 per day for days 1 through 6 $0 per day for days 7 through 90 |
|---|
| $320 per day for days 1 through 6 $0 per day for days 7 through 90 (Out-of-Network) |
Medical Equipment/Supplies
| Diabetes supplies | 0-20% coinsurance per item |
|---|---|
| Diabetes supplies | 30% coinsurance per item (Out-of-Network) |
| Durable medical equipment (e.g., wheelchairs, oxygen) | 20% coinsurance per item |
| Durable medical equipment (e.g., wheelchairs, oxygen) | 30% coinsurance per item (Out-of-Network) |
| Prosthetics (e.g., braces, artificial limbs) | 20% coinsurance per item |
| Prosthetics (e.g., braces, artificial limbs) | 30% coinsurance per item (Out-of-Network) |
Medicare Part B Drugs
| Chemotherapy | 20% coinsurance |
|---|---|
| Chemotherapy | 30% coinsurance (Out-of-Network) |
| Other Part B drugs | 20% coinsurance |
| Other Part B drugs | 30% coinsurance (Out-of-Network) |
Mental Health Services
| Inpatient hospital - psychiatric | $300 per day for days 1 through 6 $0 per day for days 7 through 90 |
|---|---|
| Inpatient hospital - psychiatric | $320 per day for days 1 through 6 $0 per day for days 7 through 90 (Out-of-Network) |
| Outpatient group therapy visit | $0 copay |
| Outpatient group therapy visit | $40 copay (Out-of-Network) |
| Outpatient group therapy visit with a psychiatrist | $0 copay |
| Outpatient group therapy visit with a psychiatrist | $40 copay (Out-of-Network) |
| Outpatient individual therapy visit | $0 copay |
| Outpatient individual therapy visit | $40 copay (Out-of-Network) |
| Outpatient individual therapy visit with a psychiatrist | $0 copay |
| Outpatient individual therapy visit with a psychiatrist | $40 copay (Out-of-Network) |
MOOP
| $7,550 In and Out-of-network $4,400 In-network |
|---|
Option
| Yes, contact plan for further details |
|---|
Optional supplemental benefits
| No |
|---|
Outpatient Hospital Coverage
| $0-300 copay per visit |
|---|
| 30% coinsurance per visit (Out-of-Network) |
Preventive Care
Cigna Specialist Copay Assistance
| $0 copay |
|---|
| $0 copay (Out-of-Network) |
Preventive Dental
| Cleaning | $0 copay |
|---|---|
| Cleaning | $0 copay (Out-of-Network) |
| Dental x-ray(s) | $0 copay |
| Dental x-ray(s) | $0 copay (Out-of-Network) |
| Fluoride treatment | $0 copay |
| Fluoride treatment | $0 copay (Out-of-Network) |
| Oral exam | $0 copay |
| Oral exam | $0 copay (Out-of-Network) |
Rehabilitation Services
| Occupational therapy visit | $30 copay |
|---|---|
| Occupational therapy visit | $40 copay (Out-of-Network) |
| Physical therapy and speech and language therapy visit | $30 copay |
| Physical therapy and speech and language therapy visit | $40 copay (Out-of-Network) |
Skilled Nursing Facility
| $0 per day for days 1 through 20 $184 per day for days 21 through 100 |
|---|
| 30% per stay (Out-of-Network) |
Transportation
Cigna Copay Waiver
| Not covered |
|---|
Vision
| Contact lenses | $0 copay |
|---|---|
| Contact lenses | $0 copay (Out-of-Network) |
| Eyeglass frames | $0 copay |
| Eyeglass frames | $0 copay (Out-of-Network) |
| Eyeglass lenses | $0 copay |
| Eyeglass lenses | $0 copay (Out-of-Network) |
| Eyeglasses (frames and lenses) | $0 copay |
| Eyeglasses (frames and lenses) | $0 copay (Out-of-Network) |
| Other | Not covered |
| Routine eye exam | $0 copay |
| Routine eye exam | 30% coinsurance (Out-of-Network) |
| Upgrades | $0 copay |
| Upgrades | $0 copay (Out-of-Network) |
Wellness Programs (e.g. fitness nursing hotline)
| Covered |
|---|
Ready to Enroll?
Or Call
1-855-778-4180
Mon-Sat 8am-11pm EST
Sun 9am-6pm EST
Cigna Specialist Copay
Coverage Area for Cigna True Choice Medicare (PPO)
(Click county to compare all available Advantage plans)
| State: | Illinois |
|---|---|
| County: | Cook,DuPage,Kane,Kankakee,Lake, Will, |
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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.
Accredo has joined the Cigna family as a Cigna specialty pharmacy. We look forward to working together to better serve you and all of your pharmacy, health, and wellness needs. Learn more about Accredo
If you have Cigna-administered pharmacy benefits and are filling certain specialty medications through home delivery, your prescriptions will be moved to Accredo at a specific time starting this summer 2019, through the fall.1 We'll make the process easy, and you don't need to do anything.
Here's what to expect:
Cigna Specialist Copay System
- If you're taking a medication that's moving to Accredo, we'll send you a letter.
- Soon after, a representative from Accredo will contact you, set up your order, and schedule delivery of your medication, with shipping at no extra cost to you. Note Accredo won't fill your prescription without your approval.
- Once you've filled your first prescription with Accredo and it's time for a refill, a representative will contact you to take care of everything. And depending on what medication you're taking, you may be able to refill it online or by text.2
Personalized, expert one-to-one care
Cigna Ppo Copay
As part of your Cigna-administered pharmacy benefits, you'll have access to Accredo.3 If you have a complex medical condition such as multiple sclerosis, hepatitis C, or rheumatoid arthritis, Accredo can fill and deliver your specialty medication to your home (or location of your choice).4
Accredo's team of specialty trained pharmacists and nurses are available 24/7 and are experienced in complex conditions that require specialty medications.
They can help: Dungeons 3.
- Counsel and train on how to take your medication and work through side effects
- Provide nutrition support for those with cancer
- Ensure your therapy is on track by checking in with you and your doctor
- Get your medications approved for coverage
Why Choose Accredo
How Much Is My Copay With Cigna
- Helpful reminders on refills to help make sure you don't miss a dose
- Easy refills by text2 on certain prescriptions
- Fast shipping at no extra cost, even on medications that need special handling, like refrigeration
- Track your orders with real-time updates5 once Accredo ships your order
- Get help paying for your medication with copay assistance coordination and other options
- Conveniently contact us anytime by text, phone, or online
Cigna Specialist Copay Programs
If you have Cigna-administered pharmacy benefits and would like to talk with an Accredo representative, call 1 (877) 826-7657 Monday – Friday, 7:00 am – 10:00 pm and on Saturdays, 7:00 am – 4:00 pm Central Time.