Cigna True Choice Medicare (PPO)

Washington Medicare Advantage Plan (2025 Plan)


Monthly Premium

Your Cost
$0
by Cigna Healthcare

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 3.0
out of 5 stars

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Plan Name
Cigna True Choice Medicare (PPO)
Insurance Carrier
Cigna Healthcare
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

Cigna True Choice Medicare (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Washington and offered by the health insurance company Cigna Healthcare. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.

Monthly Premium
$0
Annual Deductible
$400 annual deductible
Max Out-of-Pocket
$4,700
Primary doctor visit
$0 copay
Specialist visit
$25 copay per visit
ER visit
$120 copay per visit (always covered)
Ambulance
$260 copay

Cigna True Choice Medicare (PPO) has a monthly premium cost of $0 per month, with an annual deductible of $400 annual deductible and a maximum out of pocket cost sharing of $8,950 In and Out-of-network $4,700 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for Cigna True Choice Medicare (PPO) are defined below.

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

Cigna True Choice Medicare (PPO) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Cigna True Choice Medicare (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Cigna True Choice Medicare (PPO) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Limited coverage
Over the counter drug benefits
Limited coverage
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Limited coverage
Annual physical exams
Limited coverage
Telehealth
Limited coverage

Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2025, Cigna True Choice Medicare (PPO) received an overall government quality rating of 3.0 stars out of 5 stars.

Cigna True Choice Medicare (PPO) performed worse than Washington’s State average overall quality score of 3.6 stars.

This Plan’s 5-star Gov’t Quality Score
Washington State Average Score
Overall Government 5 Star Quality Rating
 3.0
 3.6
Summary rating of health plan quality
 3
 3.4
Staying healthy: screenings, tests, & vaccines
 3
 3.7
Managing chronic (long term) conditions
 3
 3.5
Member experience with health plan
 3
 3.0
Member complaints & changes in the health plan's performance
 3
 4.1
Health plan customer service
 4
 4.0
Summary rating of drug plan quality
 3
 3.7
Drug plan customer service
 4
 4.1
Member complaints & changes in the drug plan's performance
 3
 4.2
Member experience with the drug plan
 4
 3.5
Drug safety & accuracy of drug pricing
 3
 3.4

The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.

Cigna True Choice Medicare (PPO) received 3 stars for its health plan quality score which is worse than the Washington State average health plan quality score of 3.4 stars.

Cigna True Choice Medicare (PPO) received 3 stars for its drug plan quality score which is worse than the Washington State average drug plan quality score of 3.7 stars.


Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$400 annual deductible
Health Plan Max Out-of-Pocket
$8,950 In and Out-of-network
$4,700 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes

Doctor Services

Primary doctor visit
In-network: $0 copay
Out-of-network: $0 copay
Specialist visit
In-network: $25 copay per visit
Out-of-network: $25 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0-40 copay
Out-of-network: 35% coinsurance
Lab services
In-network: $0-50 copay
Out-of-network: 35% coinsurance
Diagnostic radiology services (like MRI)
In-network: $0-160 copay
Out-of-network: 35% coinsurance
Outpatient x-rays
In-network: $15 copay
Out-of-network: 35% coinsurance
Emergency care
$120 copay per visit (always covered)
Urgent care
$25 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $395 per day for days 1 through 4
$0 per day for days 5 through 90
Out-of-network: 35% per stay
Outpatient hospital coverage
In-network: $0-275 copay per visit
Out-of-network: $350-395 copay per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$214 per day for days 21 through 100
Out-of-network: 35% per stay

Preventive services

Preventive services
In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance
In-network: $260 copay
Out-of-network: $260 copay or 20% coinsurance

Therapy services

Occupational therapy visit
In-network: $25 copay
Out-of-network: $25 copay
Physical therapy & speech & language therapy visit
In-network: $25 copay
Out-of-network: $25 copay

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $25 copay
Outpatient individual therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $25 copay
Outpatient group therapy visit
In-network: $0 copay
Out-of-network: $25 copay
Outpatient individual therapy visit
In-network: $0 copay
Out-of-network: $25 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 35% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 35% coinsurance per item
Diabetes supplies
In-network: $0 copay
Out-of-network: 35% coinsurance per item

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseCatastrophic coverage phase
Preferred Generic$10.00 copay$0 copay
Generic$20.00 copay$0 copay
Preferred Brand$47.00 copay$0 copay
Non-Preferred Drug$100.00 copay$0 copay
Specialty Tier33% coinsurance$0 copay

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: 35% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 35% coinsurance

Hearing

Hearing exam
In-network: $25 copay
Out-of-network: 50% coinsurance
Fitting/evaluation
In-network: $0 copay
Out-of-network: 50% coinsurance
Hearing aids - All types
In-network: $399-1,800 copay
Out-of-network: $0 copay

Preventive Dental

Oral exam
In-network: $0 copay
Out-of-network: $0 copay
Cleaning
In-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays
In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services
In-network: $0 copay
Out-of-network: $0 copay
Endodontics
In-network: $0 copay
Out-of-network: $0 copay
Periodontics
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed
In-network: $0 copay
Out-of-network: $0 copay
Maxillofacial prosthetics
In-network: $0 copay
Out-of-network: $0 copay
Implant services
In-network: $0 copay
Out-of-network: $0 copay
Oral and maxillofacial surgery
In-network: $0 copay
Out-of-network: $0 copay
Orthodontics
In-network: $0 copay
Out-of-network: $0 copay
Adjunctive general services
In-network: $0 copay
Out-of-network: $0 copay

Vision

Routine eye exam
In-network: $0 copay
Out-of-network: 50% coinsurance
Contact lenses
In-network: $0 copay
Out-of-network: $0 copay
Eyeglasses (frames & lenses)
In-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames (only)
In-network: $0 copay
Out-of-network: $0 copay
Eyeglass lenses (only)
In-network: $0 copay
Out-of-network: $0 copay
Upgrades
In-network: $0 copay
Out-of-network: $0 copay

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