Cigna Courage Medicare (HMO) 2024 Benefit Details for Plan H9725-005-0 by Cigna Healthcare
Cigna Courage Medicare is a 2024 HMO Medicare Advantage plan {with_without_pdp} Part D.
This Cigna Healthcare option offers the same basic benefits as Original Medicare, but out-of-pocket costs are different. It may also include additional, valuable benefits not covered by Part A or Part B.
Plan Basics | |
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Plan ID: | H9725 005 0 |
Plan Type: | Local HMO |
Plan Year: | 2024 |
Premium: | $0.00/mo Plus your Medicare Part B premium. |
Health Plan Deductible: | $0.00 |
Out-of-Pocket Maximum: | $6,350/yr |
Part B Reduction: | $120.00/mo |
Drug Plan Benefit: | Not Included |
Rx Gap Coverage: | No |
Supplemental Benefits: | Vision, Hearing |
Availability: | See List |
Insured By: | Cigna Healthcare |
Summary of Benefits |
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Health Plan Cost Sharing
This Cigna Healthcare Medicare Advantage plan has cost-sharing. These are costs you must pay out-of-pocket when you use approved health services.
NOTE: Most preventive services are covered 100% by the plan as a Part B benefit.
The following table summarizes the most common out-of-pocket costs you will incur if you join this plan unless you go out-of-network:
Healthcare Service | Member Cost |
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Doctor Visits (In-Network) | |
Primary: | $0 |
Specialist: | $50 Copay Authorization Required |
Wellness programs (e.g., fitness, nursing hotline): | None |
Preventive care: | $0 |
Foot Care (In-Network) | |
Foot exams and treatment (Medicare-covered): | $50 Copay |
Routine foot care: | Not Covered |
Chiropractic Care (In-Network) | |
Medicare-covered chiropractic care: | $20 Copay Authorization Required |
Routine chiropractic care: | Not Covered |
Emergency Care / Urgent Care | |
Emergency room care: | $120 Copay |
Urgent care: | $60 Copay |
Ground ambulance: | $270 Copay |
Inpatient hospital coverage: | $300.00 per day for days 1 through 6 $0.00 per day for days 7 and beyond |
Outpatient hospital coverage: | $295 Copay Authorization Required |
Skilled Nursing Facility: | $10.00 per day for days 1 through 20 $203.00 per day for days 21 through 60 $0.00 per day for days 61 and beyond |
Optional supplemental benefits: | |
Mental Health Services (In-Network) | |
Outpatient individual therapy visit with a psychiatrist: | $0 |
Outpatient group therapy visit with a psychiatrist: | $0 |
Inpatient hospital - psychiatric: | $595.00 per day for days 1 through 3 $0.00 per day for days 4 and beyond |
Outpatient group therapy visit: | $0 |
Outpatient individual therapy visit: | $0 |
Rehabilitation Services (In-Network) | |
Physical therapy and speech and language therapy visit: | $45 Copay |
Occupational therapy visit: | $45 Copay Authorization Required |
Medical Equipment / Supplies (In-Network) | |
Diabetes supplies: | $0 |
Durable medical equipment (e.g., wheelchairs, oxygen): | 15% Coinsurance Authorization Required |
Prosthetics (e.g., braces, artificial limbs): | 15% Coinsurance |
Diagnostic Procedures / Lab Services / Imaging (In-Network) | |
Diagnostic radiology services (e.g., MRI): | $195 Copay Authorization Required |
Lab services: | 20% Coinsurance Authorization Required |
Outpatient x-rays: | $95 Copay Authorization Required |
Diagnostic tests and procedures: | $95 Copay Authorization Required |
Medicare Part B Drugs (In-Network) | |
Chemotherapy: | 20% Coinsurance |
Other Part B drugs (Medicare-covered) | 20% Coinsurance |
Feel free to download our Cigna Courage Medicare Summary of Benefits information.
Supplemental Benefits
The following is a summary of the supplemental benefits Cigna Healthcare includes with this plan:
Supplemental Healthcare Service | Member Cost |
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Preventive Dental | |
Oral exam (In-Network) | Not Covered |
Fluoride treatment (In-Network) | Not Covered |
Dental x-ray(s) (In-Network) | Not Covered |
Cleaning (In-Network) | Not Covered |
Comprehensive Dental | |
Periodontics (In-Network) | Not Covered |
Non-routine services (In-Network) | Not Covered |
Diagnostic services (In-Network) | Not Covered |
Extractions (In-Network) | Not Covered |
Endodontics (In-Network) | Not Covered |
Restorative services (In-Network) | Not Covered |
Prosthodontics, other oral/maxillofacial surgery, other services (In-Network) | Not Covered |
Hearing Aids | |
Fitting/evaluation (In-Network) | Covered Limits may apply |
Hearing aids (In-Network) | Covered Limits may apply |
Hearing exam (In-Network) | Covered Limits may apply |
Vision | Maximum vision benefit: | $200.00 Every year |
Eyeglasses (frames and lenses) (In-Network) | Covered Limits may apply |
Routine eye exam (In-Network) | Covered Limits may apply |
Contact lenses (In-Network) | Covered Limits may apply |
Additional Benefits
None specified.
Prescription Drug Plan Costs & Benefits
This plan does not include a Medicare Part D plan for prescriptions.
CMS Rating Marks for 2024
The following table shows the quality ratings for this Cigna Healthcare plan. Each year CMS rates health plans (Part C) in five broad categories and drug plans (Part D) in four broad categories based on a 5-star rating system. Here are the most recent ratings for Cigna Courage Medicare.
CMS Measure | Star Rating |
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2024 Overall Rating | |
Staying Healthy: Screenings, Tests, Vaccines | |
Managing Chronic (Long Term) Conditions | |
Member Experience with Health Plan | |
Complaints and Changes in Plans Performance | |
Health Plan Customer Service | |
Drug Plan Customer Service | |
Complaints and Changes in the Drug Plan | |
Member Experience with the Drug Plan | |
Drug Safety and Accuracy of Drug Pricing |
In terms of quality care, this Medicare Advantage HMO plan is much better than the average plan in the areas it serves. Cigna Courage Medicare does an average job keeping its members healthy through preventive health measures, including screenings, tests, and vaccines. This plan is good at managing its member's chronic (long-term) health conditions.
Overall, members say their experience with this Cigna Healthcare HMO plan is excellent. When it comes to complaints and changes in performance, this plan gets the highest marks. If you're concerned about how this health plan will treat you when you call for assistance, don't be. Members say it's good.
Cigna Courage Medicare offers some vision and hearing benefits, but not dental.
With no additional monthly premium, this plan can save you money if you're healthy. Members will love the Part B Giveback benefit. It's $120.00 per month. Potential members should carefully factor in the maximum out-of-pocket limit of $6,350 per year. In most cases, a plan limit this high will cost members more than Original Medicare for a 5-day hospital stay. With no annual deductible, members of this health plan have first dollar coverage, which is comforting on a fixed budget.
Plan Availability
Cigna Courage Medicare (H9725-005-0) is available in the following locations (click to open):
Additional Medicare Advantage Plan Options
The Medicare Advantage program offers a myriad of options, including these plans:
- H9725-009-2: Cigna Preferred Medicare (HMO)
- H9725-009-1: Cigna Preferred Medicare (HMO)
- H9725-005-0: Cigna Courage Medicare (HMO)
- H9725-011-0: Cigna Preferred Plus Medicare (HMO)
- H9725-009-3: Cigna Preferred Medicare (HMO)
Contact Cigna Healthcare
Plan Website: | http://www.cignamedicare.com |
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Formulary Information: | http://www.cigna.com/medicare |
Pharmacy Information: | Cigna Healthcare Pharmacy Page |
Prospective Members: | (800)313-0973 |
TTY Users: | 711 |
If you qualify for Medicare benefits 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.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
Citations & References
- Cigna Healthcare, http://www.cignamedicare.com, Last Accessed February 20, 2024
- Medicare.gov, "Your health plan options", Last Accessed February 20, 2024
- Medicare.gov, "Your Medicare coverage choices", Last Accessed February 19, 2024
- Medicare.gov, "Medicare & You in Different Formats", Last Accessed February 19, 2024
- Medicare.gov, "Your Medicare Coverage", Last Accessed April 11, 2023
- CMS.gov, Landscape Source Files, Last Accessed February 21, 2024
- CMS.gov, Medicare Part C & D Performance, Last Accessed February 21, 2024
- CMS.gov, Plan Benefits Package, Last Accessed February 21, 2024
About This H9725-005-0 Plan Detail Page
The data on this Cigna Courage Medicare plan detail page is derived from the 2024 Landscape Source Files, Plan Benefit Package, and Medicare Part C and Part D Performance Data published by CMS.
The author interprets these files, and their associated data dictionary, with great care, making every attempt to communicate the data submitted by Cigna Healthcare to CMS as clearly and accurately as possible. Given the complexity of the data, the author recommends that all potential enrollees request an official Summary of Benefits from Cigna Healthcare, at (800)313-0973, prior to enrollment.