Cigna True Choice Access Medicare (PPO)

Alabama Medicare Advantage Plan (2025 Plan)

Monthly Premium

Your Cost

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 Access Medicare (PPO)

Insurance Carrier

Cigna Healthcare

Plan Type

Medicare Advantage Plan With Part D Prescription Drug Coverage

Network Type

PPO

Cigna True Choice Access Medicare (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Alabama 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

Annual Deductible

$370 annual deductible

Max Out-of-Pocket

$5,500

Primary doctor visit

$0 copay

Specialist visit

$30 copay per visit

ER visit

$125 copay per visit (always covered)

Ambulance

$265 copay

Cigna True Choice Access Medicare (PPO) has a monthly premium cost of $0 per month, with an annual deductible of $370 annual deductible and a maximum out of pocket cost sharing of $7,500 In and Out-of-network $5,500 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 Access Medicare (PPO) are defined below.

Yes

Part D Prescription Drug Coverage

Yes

Dental

Yes

Vision

Yes

Hearing

Cigna True Choice Access 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 Access Medicare (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Cigna True Choice Access 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

Not covered

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 Access Medicare (PPO) received an overall government quality rating of 3.0 stars out of 5 stars.

Cigna True Choice Access Medicare (PPO) performed worse than Alabama’s State average overall quality score of 3.8 stars.

This Plan’s 5-star Gov’t Quality Score

Alabama State Average Score

Overall Government 5 Star Quality Rating

3.0

3.8

Summary rating of health plan quality

3.8

Staying healthy: screenings, tests, & vaccines

3.4

Managing chronic (long term) conditions

3.6

Member experience with health plan

4.2

Member complaints & changes in the health plan's performance

3.9

Health plan customer service

3.8

Summary rating of drug plan quality

3.6

Drug plan customer service

3.7

Member complaints & changes in the drug plan's performance

3.9

Member experience with the drug plan

4.3

Drug safety & accuracy of drug pricing

3.2

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 Access Medicare (PPO) received 3 stars for its health plan quality score which is worse than the Alabama State average health plan quality score of 3.8 stars.

Cigna True Choice Access Medicare (PPO) received 3 stars for its drug plan quality score which is worse than the Alabama State average drug plan quality score of 3.6 stars.

Monthly Premium

Health Portion of Premium

Drug Portion of Premium

Health Plan Deductible

$370 annual deductible

Health Plan Max Out-of-Pocket

$7,500 In and Out-of-network
$5,500 In-network

Nationwide Coverage included

Hearing Coverage included

Yes

Vision Coverage included

Yes

Dental Coverage included

Yes

Doctor Lookup Link

http://www.cignamedicare.com

Plan Link

http://www.cignamedicare.com

Doctor Services

Primary doctor visit

In-network: $0 copay
Out-of-network: $15 copay per visit

Specialist visit

In-network: $30 copay per visit
Out-of-network: $40 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures

In-network: $0 copay
Out-of-network: 40% coinsurance

Lab services

In-network: $0-50 copay
Out-of-network: 40% coinsurance

Diagnostic radiology services (like MRI)

In-network: $0-125 copay
Out-of-network: 40% coinsurance

Outpatient x-rays

In-network: $0-50 copay
Out-of-network: 40% coinsurance

Emergency care

$125 copay per visit (always covered)

Urgent care

$55 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage

In-network: $275 per day for days 1 through 7
$0 per day for days 8 through 90
Out-of-network: 40% per stay

Outpatient hospital coverage

In-network: $0-275 copay per visit
Out-of-network: 40% coinsurance per visit

Skilled nursing facility

In-network: $0 per day for days 1 through 20
$214 per day for days 21 through 100
Out-of-network: 40% per stay

Preventive services

In-network: $0 copay
Out-of-network: $15 copay

Ambulance

Ground ambulance

In-network: $265 copay
Out-of-network: $265 copay or 20% coinsurance

Therapy services

Occupational therapy visit

In-network: $35 copay
Out-of-network: $45 copay

Physical therapy & speech & language therapy visit

In-network: $35 copay
Out-of-network: $45 copay

Mental health services

Outpatient group therapy with a psychiatrist

In-network: $0 copay
Out-of-network: $45 copay

Outpatient individual therapy with a psychiatrist

In-network: $0 copay
Out-of-network: $45 copay

Outpatient group therapy visit

In-network: $0 copay
Out-of-network: $45 copay

Outpatient individual therapy visit

In-network: $0 copay
Out-of-network: $45 copay

Opioid treatment services

Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)

In-network: 20% coinsurance per item
Out-of-network: 40% coinsurance per item

Prosthetics (like braces, artificial limbs)

In-network: 20% coinsurance per item
Out-of-network: 40% coinsurance per item

Diabetes supplies

In-network: $0 copay
Out-of-network: 40% coinsurance per item

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

Tiers	Initial coverage phase	Catastrophic 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 Tier	33% coinsurance	$0 copay

Part B Drugs

Chemotherapy drugs

In-network: 0-20% coinsurance
Out-of-network: 40% coinsurance

Other Part B drugs

In-network: 0-20% coinsurance
Out-of-network: 40% coinsurance

Hearing

Hearing exam

In-network: $30 copay
Out-of-network: 40% 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