Cigna Medicare Advantage 2020
Cigna operates one of the largest healthcare networks in the country and sells a wide range of Medicare Advantage plans, so they are definitely worth considering when you are looking for more coverage than what you get from Original Medicare. The Cigna Medicare Advantage 2020 options are going to save many seniors money on their healthcare over the coming year.
Medicare Advantage Plans Cover Your Healthcare Costs
How much are you paying out of pocket for your healthcare right now? If you struggle to make those payments, then you will probably want to look into getting a different medical insurance plan. Medicare Advantage makes for a great replacement for your Original Medicare plan, for a Medicare Supplement and even healthcare plans from your employer or your union.
Advantage plans can offer you the kind of coverage that could replace not just one medical insurance plan but multiple ones. That’s because they cover so many medical expenses for you. They can cover you for pretty much the entirety of Original Medicare, as well as any emergency care you require and any urgently needed medical care treatments.
Some of the higher end Medicare Advantage plans- those with more extensive coverage- can go much further for you, offering cover for prescription drugs and for vision and hearing costs. They can cover expenses like the cost of corrective lenses or a new hearing aid for you and take care of many of your annual checkups.
With all of this coverage, you might have very little left to pay on your own. It could become much easier to afford your healthcare treatments and those trips to the doctor’s office and the hospital. Medicare Advantage plans can often consolidate your healthcare expenses down to a single plan and leave you with fewer premiums and deductibles to be concerned about. That is going to save you a lot of money in the long run, which is why we suggest Medicare Advantage plans to any senior who has multiple insurance plans and is still having a hard time affording their healthcare or their medical insurance.
Is Cigna Medicare Advantage Affordable?
So, you might be wondering whether you can afford a Medicare Advantage plan. We have told you about how much it covers, and that may leave you wondering if all that cover would be too expensive for you. When you compare the price of Medicare Advantage to other health insurance plans, though, you will see that the Advantage plan tends to be more economical.
On average, your Medicare Advantage plan will cost you $140 per month. The price will increase every year or so on average, so be aware of that. You can also find some plans with very cheap monthly premiums. These can be as low as $0 per month, in some cases.
There are also some Advantage plans that can cost hundreds of dollars a month. Along with the monthly premium, you will also be responsible for the deductible. You have to have that deductible paid for before your plan will kick in and provide you with any coverage. The deductible tends to be higher when the premium is lower so you can just imagine how high the deductible is for the Cigna Medicare Advantage 2020 plans that have a $0 premium.
You can check the prices on these plans by using our website. We will keep our information updated and actually provide you with fresh quotes each time you use our site. This will give you accurate pricing details that you can use to compare prices and find a good deal. You can easily tell if Cigna has the best rates or if you are better off buying your plan from another insurer.
How Cigna Makes Its Medicare Advantage Plans Special
Cigna is able to make the Medicare Advantage plans its own. It doesn’t have to abide by any standardized pricing, and it can offer a lineup of plans that is uniquely its own.
Cigna sells a wide range of plans, and we want to look at their typical Advantage plan lineup:
- Preferred Provider Organization- These will cover you according to your plan both on and off the network, giving you partial coverage for Cigna Advantage plans outside of Cigna’s network.
- Health Maintenance Organization- This is a more economical plan that covers you only on Cigna’s network.
- Private Fee For Service- This covers you for care at any approved medical facility or doctor’s office. The plan decides how much it is going to cover and how much you will have to pay, so expenses can vary quite a bit.
- Medical Savings Account- Your bank account receives money each year to pay for many of your medical expenses, and this can be applied to your medical costs before you even pay the deductible. Once you meet your deductible, however, the rest of your approved medical costs will be covered by your plan.
- Special Needs Plan- This is a heavily discounted version of Medicare Advantage that will cover treatments related to special needs care, and you will have to meet strict eligibility requirements to enroll in this kind of plan.
Some of these plans will simply not be available in all areas of the country, and some of them will not be available to every senior. If you have questions about eligibility and what is available in your area, you can always consult with us. It costs you nothing to get professional healthcare advice from our team, and it costs you nothing to use our site to compare prices. You can use these resources for free and without obligation as often as you need. We suggest you come back to our site even after you have signed up for a plan and make use of the free resources to ensure you are getting the best possible deal.
Cigna Medicare Advantage 2020 is the kind of healthcare insurance plan that we would recommend to seniors. It offers so much coverage and is backed by Cigna’s expansive network and great customer resources. As one of the largest insurers, they have a lot to offer their subscribers, so check out their plans for the coming year and see if one of them might be a good fit for you.