1. Cigna Physical Therapy Copay
2. Cigna Specialist Copay Card

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Cigna Preferred AL Medicare (HMO) H4513-046 is a 2021 Medicare Advantage Plan or Medicare Part-C plan by Cigna available to residents in Alabama. This plan includes additional Medicare prescription drug (Part-D) coverage. The Cigna Preferred AL Medicare (HMO) has a monthly premium of $0 and has an in-network Maximum Out-of-Pocket limit of $7,100 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $7,100 out of pocket. This can be a extremely nice safety net.

Cigna Preferred AL Medicare (HMO) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your PCP will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your PCPs okay, called a referral. Services received from an out-of-network provider are not typically covered by the plan.

Cigna works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Cigna Preferred AL Medicare (HMO) 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.

• Per visit copay is waived if admitted. $250 copay, and plan pays 100% ^ $250 copay, and plan pays 100% ^ Urgent Care Facility Includes Professional, X-ray and/or Lab services performed at the Urgent Care Facility and billed by the facility as part of the urgent care visit. $50 copay, and plan pays 100% ^ $50 copay, and plan pays 100% ^.
• $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.
• After meeting the Part B deductible, beneficiaries typically pay a 20 percent coinsurance or copay for covered services and items. For members of Medicare Advantage plans from Cigna and Humana, however, those costs will be waived for covered COVID-19 treatment.
• Cigna Coronavirus (COVID-19) Interim Billing Guidance for Providers for Commercial Customers. Last updated April 6, 2021 – Highlighted text indicates updates Cigna welcomes the advent of safe and effective COVID-19 vaccines and applauds the quick and innovative responses from the pharmaceutical industry and regulators to the urgent need.

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Or Call
1-855-778-4180
Mon-Fri 8am-9pm EST
Sat 9am-9pm EST

$15 copay per visit (Out-of-Network) Specialist $30 copay per visit; Specialist $40 copay per visit (Out-of-Network).

2021 Cigna Medicare Advantage Plan Costs

Cigna Preferred AL Medicare (HMO) 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.

H4513-046 Part-D Deductible and Premium

Cigna Preferred AL Medicare (HMO) has a monthly drug premium of $0 and a $200.0 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. (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.

H4513-046 Formulary or Drug Coverage

Cigna Preferred AL Medicare (HMO) 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 Preferred AL Medicare (HMO) Summary of Benefits

Additional Benefits

Comprehensive Dental

Deductible

Diagnostic Tests and Procedures

Doctor Visits

Emergency care/Urgent Care

Foot Care (podiatry services)

Ground Ambulance

Cigna Physical Therapy Copay

Hearing

Inpatient Hospital Coverage

Medical Equipment/Supplies

Medicare Part B Drugs

Mental Health Services

MOOP

Option

Optional supplemental benefits

Outpatient Hospital Coverage

Preventive Care

Preventive Dental

Rehabilitation Services

Skilled Nursing Facility

Transportation

Vision

Wellness Programs (e.g. fitness nursing hotline)

Reviews for Cigna Preferred AL Medicare (HMO) H4513

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with Health Plan

Member Complaints and Changes in Cigna Preferred AL Medicare (HMO) Plans Performance

Health Plan Customer Service Rating for Cigna Preferred AL Medicare (HMO)

Cigna Preferred AL Medicare (HMO) Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

Ready to Enroll?

Or Call
1-855-778-4180
Mon-Sat 8am-11pm EST
Sun 9am-6pm EST

Coverage Area for Cigna Preferred AL Medicare (HMO)

(Click county to compare all available Advantage plans)

Cigna Specialist Copay Card

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.