Cigna PPO Medicare Plans

Cigna PPO Plans: The Ultimate Guide

The world of Medicare Advantage plans may seem like a lot to handle, and that is where Medicare Sharks comes in to ensure you make decisions with confidence. The Cigna PPO Plan is one of the most popular and flexible plans available today on the market. If you are new to Medicare or want to change your plan, this guide will take you through all you need to know about Cigna Medicare Preferred Provider Organization (PPO). At Cigna, we believe in empowering you to take control of your health. Our Cigna PPO Plans allows you to choose your healthcare provider and ensure access to a huge range of doctors, specialists, and hospitals nationwide.

What are Cigna PPO Medicare Advantage Plans ?

It stands for Preferred Provider Organization (PPO), meaning there is a huge network of participating providers and hospitals, so you have a couple of choices.

PPO Features

Cigna PPO medicare advantage plans provides you with global coverage and gives you urgent care coverage 24/7.
In case you choose to seek medical attention outside your usual medical providers, you will be covered for such plans at an extra fee. However, you still have an emergency care plan outside your out-of-network.

How Does Cigna PPO Medicare Advantage Plans Work?

You will work with specific healthcare providers, which makes it similar to the HMO plan. However, the difference is that you will also be covered to see specialists outside your plan, but you will pay more than in-health providers.

Why Choose Cigna True Choice Medicare PPO?

Freedom of choice: With a Cigna true choice medicare PPO, you have access to any healthcare professional or agency without a referral—empowering you to make informed decisions about your health.
Broad Network: Cigna has a huge network of healthcare providers, hospitals, and specialists. This gives you many options when choosing your primary doctors and facilities within the network.
Out-of-Network Coverage: While staying in-network reduces costs, Cigna PPO Medicare Advantage Plans offer partial coverage for out-of-network services. It is flexible in case you are in need of a specialist or healthcare provider who is not in the network.
No Referral Needed: When you are on a Cigna true choice medicare PPO, you don’t need a primary care physician’s referral to see a specialist. Such an option gives you peace knowing that looking for specialized care will not be a hassle.
Wellness Programs: Cigna offers various wellness programs, such as joining a fitness club and resources to assist you in managing your health and well-being. These include online portals, applications, and resources for managing chronic conditions and promoting healthy living.

Cigna Medicare Advantage a PPO or HMO: Which One Is Better?

Cigna sells both HMO and PPO Medicare Advantage plans. However, HMO plans cost an average of $10 per month, and PPO plans cost an average of $2 per month, which is less than average. Both HMOs and PPOs are available in 26 states. Therefore, the choice is yours on which one to select.
Differences between Dental HMO and Dental PPO Plan

Before deciding on which dental plan to take, it is best to compare HMO and PPO plans to see which one suits you more, as indicated here:
Dental PPOs have an annual deduction, whereas HMOs do not.
The dental PPO coinsurance plan starts once you hit the deductibles, but with HMO, dental is based on a flat rate.
Contact us today if you still want to learn more about Cigna PPO plans!

FAQ

What is a Cigna PPO Medicare Advantage Plan?

A Cigna PPO plan is a type of Medicare Advantage plan (Part C) that offers coverage for hospital, medical, and often prescription drug services. It allows you to see any doctor or specialist—with or without a referral—and includes both in-network and out-of-network providers.

How is a PPO different from an HMO plan?

The main difference is flexibility. With a PPO, you can see any healthcare provider, even outside the plan’s network (though at a higher cost), and you don’t need a referral to visit a specialist.

Does Cigna PPO include prescription drug coverage?

Yes, most Cigna PPO plans include Part D prescription drug coverage, so you don’t need to enroll in a separate drug plan.

Can I use my Cigna PPO plan when I travel?

Yes! Cigna PPO plans are a great choice for frequent travelers. You can use out-of-network providers across the U.S., though costs may vary.

Are there additional benefits with Cigna PPO plans?

Yes. Many plans include dental, vision, hearing, fitness programs, telehealth, wellness incentives, and over-the-counter allowances.

How much do Cigna PPO plans cost?

Costs vary by plan and location, but many Cigna PPO plans have low or $0 premiums, along with copays, coinsurance, and an out-of-pocket maximum to protect you from high medical bills.

Can I keep my current doctor with a Cigna PPO plan?

Possibly. You can check if your doctor is in-network, or you can continue seeing them out-of-network (usually at a higher cost). Medicare Sharks can help verify your provider’s status.

Who is eligible for a Cigna PPO Medicare plan?

Anyone who is eligible for Medicare (typically age 65 or older, or under 65 with certain disabilities) and lives in a service area where Cigna offers PPO plans.

When can I enroll in a Cigna PPO plan?

You can enroll during the Initial Enrollment Period, the Annual Enrollment Period (Oct 15 – Dec 7), or during Special Enrollment Periods if you qualify due to life events.

How can Medicare Sharks help me choose the right Cigna PPO plan?

Medicare Sharks offers free, personalized guidance. Our licensed agents compare plans, explain benefits, and help you enroll in the best Cigna PPO option for your health needs and budget.