Cigna-HealthSpring Advantage Putnam County, TN Medicare Advantage Plan

Cigna-HealthSpring Advantage Medicare Advantage Plan for Putnam County, Tennessee seniors on Medicare.Cigna-HealthSpring Advantage, a Putnam County, Tennessee Medicare Advantage plan from HealthSpring, is a Health Maintenance Organization (HMO) option for people with Medicare. It gives you all of the same health insurance benefits as original Medicare and offers extras that Medicare does not cover.

The insurance premium is $0.00 per month. You also have co-payments and/or co-insurances with each healthcare service that you use. You can learn more about the basic coverage costs on the co-payments page.

The real benefit of an HMO plan like Cigna-HealthSpring Advantage is lower, predictable out-of-pocket expenses. Although more restrictive than original Medicare, a Medicare Advantage HMO plan limits your annual out-of-pocket costs. With Medicare Parts A and B, there's no cap, leaving you vulnerable to excessive medical bills.

With an HMO you are required to use healthcare providers in the plan's network. If you don't you will incur additional costs. Also, be aware that your primary care physician must make refer you before you see a specialist.

Quality Rating

After its first year on the market, the CMS (Centers for Medicare and Medicaid Services) gives each plan an overall one to five star rating. The unbiased quality assessment assists people when comparing plans. Medicare Advantage plans with five stars have the highest quality, whereas a one star plan has the lowest quality.

The CMS has awarded Cigna-HealthSpring Advantage 4.0 out of 5 stars. That means Medicare deems this plan Above Average as compared to all others (as of 15 October, 2014).

Out-of-Pocket Expenses

Medicare Advantage plans are limited to a maximum out-of-pocket limit of $6,700 (annually). This out-of-pocket limit does not include your prescriptions or your monthly premiums. It only applies to your costs for healthcare services.

Although the mandatory limit is $6,700, the CMS allows plans to offer a lower limit that can be as low as $3,400. The out-of-pocket limit on this plan is $4,400. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.

If you are comparing Cigna-HealthSpring Advantage with your original Medicare benefits, it's important to remember that there are no limits to your out-of-pocket expenses with Medicare Part A or Medicare Part B. If you keep your original Medicare benefits, the only way to avoid high medical bills is to purchase Medicare Supplement insurance to supplement your coverage.

Compare Plans

Your healthcare needs are as unique as you are, so shop around. We recommend comparing Cigna-HealthSpring Advantage with:

Cigna-HealthSpring Advantage vs. Medigap Plan K

You might also consider comparing Cigna-HealthSpring Advantage with Medigap Plan K. That's because the out-of-pocket limit on Plan K is only $4,940 (vs. $4,400 on this plan) and you can see any doctor you choose. Read Medigap Plan K vs. Medicare Advantage to learn more.

Who Can Join?

You can join Cigna-HealthSpring Advantage if you are entitled to Medicare Part A and enrolled in Medicare Part B and live in the service area. You must continue to pay your Medicare Part B premium. The service area includes: Cookeville, Baxter, Bloomington Springs, Buffalo Valley, Monterey, Silver Point, and all other areas of Putnam County, Tennessee.

CMS File Date: October 15, 2014.

This Medicare Advantage Plan catalog is maintained by David Bynon and was last updated on 9/14/2015. For more information, download the Summary of Benefits Cigna-HealthSpring Advantage Medicare Advantage Plan H4454-012 Summary of Benefits for Putnam County, Tennessee, visit the HealthSpring website, or call HealthSpring at N/A.