Cigna True Choice Medicare New Haven County, CT — 2022 Medicare Advantage Plan
This page contains editorial content that is not endorsed or approved by Cigna[2]. This is not a solicitation of insurance.
Online enrollment by MedicareEnrollment.com[1].
| Medicare Rating: | |
|---|---|
| Plan ID: | H7849-052 |
| Plan Year: | 2022 |
| Premium: | $0.00/mo |
| Part B Reduction: | NONE |
| Health Plan Deductible: | NONE |
| Drug Plan Benefit: | Yes |
| Rx Deductible: | $0.00/year |
| Rx Gap Coverage: | Yes |
| Availability: | New Haven County, CT |
| Policy Valid: | 2022-1-1 to 2022-12-31 |
| Insured By: | Cigna |
Cigna True Choice Medicare is a 2022 Medicare Advantage PPO plan from Cigna that's available to Medicare beneficiaries living in New Haven County, Connecticut.
Key Takeaways
- It is a Preferred Provider Organization (PPO) health plan.
- It has the same major health insurance benefits as Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage..
- It offers extra benefits that Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. and Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. do not cover.
- There's a to see your primary care physician (in-networkDoctors, hospitals, pharmacies, and other healthcare providers that agree to health plan members' services and supplies at a set price are in-network providers. With some health plans, your care is only covered if you get...).
- The monthly premium is $0.00 (plus your monthly Medicare Part B premiumThe Medicare Part B premium is the monthly charge paid by beneficiaries for their outpatient medical care, services, and supplies. A beneficiary's premium may be uplifted by an IRMAA surcharge if their income is above...).
- The health plan does not have an annual deductibleA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share..
- The maximum out-of-pocket costOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments. with this plan is $6,500 (in-network).
- It includes a prescription drug plan (Medicare Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each...). The annual Part D deductible is $0.00.
This Cigna PPO plan allows you to choose your own primary care doctor, specialists, and other healthcare providers in New Haven County. In most cases healthcare providers in the plan's provider network cost less.
Monthly Premium
Cigna True Choice Medicare's monthly premium in New Haven County is $0.00. That includes your prescription coverage, as well. Plus, you must continue to pay your monthly Medicare Part B premium. Some Medicare Advantage plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). include a monthly Part B premium reduction, also known as the Medicare give back. This plan's Part B premium reduction is NONE.
Co-payments and/or co-insurances also apply with most healthcare services, except preventive care mandated by CMS (see H7849-052 Summary of Benefits).
Although the health plan itself does not have a deductible, the prescription drug plan does. It's $0.00 per year. That means you have first dollar coverage.
IMPORTANT: When evaluating Cigna True Choice Medicare, look past the monthly premium. Identify the costs of the healthcare services you use most. Only then will you uncover the plan's value for your personal situation.
Maximum Out-of-Pocket (MOOP) Limit
Unlike Original Medicare, Medicare Advantage plans must set an annual Maximum Out-of-Pocket limit on inpatient and outpatient healthcare services. The Cigna True Choice Medicare plan MOOP is $6,500 . Once you reach this amount of spending on your copayments, all of your Medicare Part A and Part B services will be covered at no additional charge for the remainder of the year.
NOTE: MOOP does not include what you spend on monthly premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. . It also does not apply to your prescription drugs, Part D deductible, or any other extra benefits bundled in the plan.
CRITICAL: Be sure to evaluate the annual premiums and MOOP of Cigna True Choice Medicare versus what you might expect to pay for a Medicare SupplementMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. in New Haven County. Some Medicare Supplements offer less overall financial risk than Medicare Advantage plans with a similar annual cost.
Contact Cigna
If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Advantage program on www.medicare.gov. To learn more about this plan, visit the Cigna Medicare website.
Additional Medicare Plan Options in New Haven County
Are you eligible for a New Haven County, CT Medicare Special Needs Plan (SNP)? SNPs are a special type of Medicare Advantage plan designed to help people with special needs. Here are some of the SNP plans in your area:
- Anthem MediBlue Dual Advantage (Local HMO), for Dual-Eligible beneficiaries
- Cigna TotalCare Plus (Local HMO), for Dual-Eligible beneficiaries
- UnitedHealthcare Nursing Home Plan (Local PPO), for Institutional beneficiaries
- ConnectiCare Choice Dual (Local HMO), for Dual-Eligible beneficiaries
- Anthem MediBlue Dual Access (Local PPO), for Dual-Eligible beneficiaries
Not qualified for an SNP? Here are some additional plans you might consider:
- Anthem MediBlue Plus (HMO)
- ConnectiCare Flex Plan 1 (HMO-POS)
- ConnectiCare Flex Plan 2 (HMO-POS)
- Wellcare No Premium (HMO)
- UnitedHealthcare Medicare Advantage Patriot (HMO)
The Medicare Part C information on this page originates from CMS Landscape Source Files, is maintained by David Bynon, and was last updated on .