The national insurance provider Cigna sells a wide variety of medical insurance plans, including Medicare Advantage selections. Advantage plans can actually replace your basic Medicare coverage and provide you with some additional coverage, such as for annual medical checkups and for prescription drugs. We’re going to examine the Cigna-Healthspring Medicare Advantage plans for 2019 and show you want they are offering. Then you can decide on your own if they might be a good option for you.
What You Should Know about Cigna-Healthspring
The Cigna-Healthspring insurance company is an imprint of the larger Cigna corporation. It focuses on affordable Medicare Advantage plans, particularly plans that include Medicare Part D prescription drug coverage. Not all Advantage plans include that crucial drug coverage, but those that do have the potential to save seniors a lot of money every year.
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Advantage plans already cover a lot of common expenses not covered by many other medical insurance plans, but with Part D coverage attached onto one of these plans, that’s some serious coverage that should take care of most of a person’s medical expenses.
If you have a Medicare Original coverage plan and you sign up for a Medicare Advantage plan, then you will get your Medicare Part A and Part B coverage through the new private provider. In this case, that would be Cigna-Healthspring. If you have a Medicare Part D plan as well, and you sign up for an Advantage plan that includes Part D coverage, then you would have to drop the individual Part D plan, since the coverage would overlap.
Medicare has a rule that you can’t have two coverage plans at the same time that overlap, so if you have a Medicare Supplement plan or an employer medical coverage plan, then you will likely need to drop those before you sign up for a Medicare Advantage plan. There is going to be some overlap there that requires you choose one or the other.
Cigna-Healthspring offers a lot of $0 premium plans, which can save you a lot of money when compared to other types of medical insurance plans. These are plans that are accepted at thousands of pharmacies nationwide and that cover thousands of medications. In all likelihood, your medications will be covered as well, either completely or partially.
The Cigna-Healthspring Network
You need to know about network restrictions that determine where you get coverage and how much coverage you receive. Just because you signed up for one of Cigna-Healthspring’s Advantage plans, that does not mean that you will be covered at every medical facility or pharmacy.
There are a few different network options to pick from. Most commonly, you will have choice between HMO and PPO plans. HMO plans will cover you solely at network facilities. If you go for treatment at any hospital, clinic or other medical care facility that is part of Cigna-Healthspring’s network, then you will be fully covered under your plan. Outside of the network, you will not be covered at all.
If you sign up for one of the PPO Cigna-Healthspring Medicare Advantage plans for 2019, then you will be covered fully on the network and partially outside the network. That means you can go to any medical facility and still receive some coverage, but it won’t be full coverage if it is not part of Cigna-Healthspring’s network. As you might guess, PPO plans cost more than HMOs, and they are generally best suited for areas of the country where it is difficult to find an on-network facility.
Different insurance companies have differing networks. So, Cigna’s network may not be the same as AARP’s or Aetna’s. You may want to compare their networks to see who is operating a network that includes the healthcare facilities in your area. If you can, you should go with an HMO plan, as that can save you money in most cases.
An MAPD is any Medicare Advantage plan that also includes Medicare Part D. that’s powerful, cooperative coverage that takes care of the majority of most people’s medical expenses. It covers you for all of Medicare Part A and Part B, many of your annual checkups for vision, hearing and more, and it covers you for Medicare Part D, which is prescription drug coverage. That total coverage package will leave you with little to pay out of your own pocket, in most cases, which is why so many seniors sign up for these plans.
The Cigna-Healthspring MAPDs are accepted at numerous medical facilities and pharmacies around the country. These are low-cost options for seniors who need extensive coverage, and they generally save you money when compared to other insurance options. You will want to compare them to your needs and to other coverage plans to see if they suit you well, though.
You can do that on our website right here. It costs nothing to use our price comparison service. This shows you the rates for several different insurance plans from different insurance companies. You can see how Cigna-Healthspring compares to other insurance providers in your area and get a good idea of what the best available rate is. This is an excellent way to save money and it is convenient for you, saving you time as you can get all your pricing information in one place. It saves you from having to go to multiple websites to find out rates from different insurance providers.
Most of Cigna-Healthspring’s MAPDs come with fitness programs, and qualifying customers can get free transportation in some areas. In every state that these plans are offered, there are at least two options available, ensuring you can find something that caters to your needs.
If you are considering signing up for one of the Cigna-Healthspring Medicare Advantage plans for 2019, then make sure you know what you are getting and how it compares to similar options. You have lots of medical insurance choices to pick from, and you want to be certain that you are picking the right one. Use our site as often as you like to compare coverage and rates.
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