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Cigna Courage Medicare (HMO)

H3949 - 051 - 0

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Cigna Courage Medicare (HMO) is a Medicare Advantage (Part C) Plan by Cigna.

This page features plan details for 2023 Cigna Courage Medicare (HMO) H3949 – 051 – 0 available in Southern New Jersey.

IMPORTANT: This page has been updated with plan and premium data for the 2023.

Locations

Cigna Courage Medicare (HMO) is offered in the following locations.

Atlantic County, New Jersey

Burlington County, New Jersey

Camden County, New Jersey

Click to see more locations

Plan Overview

Cigna Courage Medicare (HMO) offers the following coverage and cost-sharing.

Insurer:	Cigna
Health Plan Deductible:	$0.00
MOOP:	$6,700 In-network
Drugs Covered:	No

Ready to sign up for Cigna Courage Medicare (HMO) ?

Get help from a licensed Medicare agent.

Click to Call 1-877-354-4611 TTY 711. Mon-Fri 8am-9pm EST | Sat 8am-8pm EST.

Premium Breakdown

Cigna Courage Medicare (HMO) has a monthly premium of $0.00. This amount includes your Part C premium but does not include your Part B premium.

Part B	Part C	Part B Give Back	Total
$164.90	$0.00	$0.00	$164.90

Please Note:

Your Part B premium may differ based on factors including late enrollment, income, and disability status.

Additional Benefits

Cigna Courage Medicare (HMO) also provides the following benefits.

Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?

In-Network: No

Dental (comprehensive)

Diagnostic services:	$0 copay (limits may apply) (authorization required) (referral not required)
Endodontics:	$38-675 copay (limits may apply) (authorization required) (referral not required)
Extractions:	$0 copay (limits may apply) (authorization required) (referral not required)
Non-routine services:	Not covered (no limits)
Periodontics:	$15-115 copay (limits may apply) (authorization required) (referral not required)
Prosthodontics, other oral/maxillofacial surgery, other services:	$0-615 copay (limits may apply) (authorization required) (referral not required)
Restorative services:	$0-525 copay (limits may apply) (authorization required) (referral not required)

Dental (preventive)

Cleaning:	$0 copay (limits may apply) (authorization not required) (referral not required)
Dental x-ray(s):	$0 copay (limits may apply) (authorization not required) (referral not required)
Fluoride treatment:	$0 copay (limits may apply) (authorization not required) (referral not required)
Oral exam:	$0 copay (limits may apply) (authorization not required) (referral not required)

Diagnostic procedures/lab services/imaging

Diagnostic radiology services (e.g., MRI):	$0-195 copay (authorization required) (referral not required)
Diagnostic tests and procedures:	$0-100 copay (authorization required) (referral not required)
Lab services:	$0 copay (authorization required) (referral not required)
Outpatient x-rays:	$35 copay (authorization required) (referral not required)

Doctor visits

Primary:	$0 copay
Specialist:	$30 copay per visit (authorization required) (referral not required)

Emergency care/Urgent care

Emergency:	$95 copay per visit (always covered)
Urgent care:	20% coinsurance per visit (always covered)

Foot care (podiatry services)

Foot exams and treatment:	$30 copay (authorization not required) (referral not required)
Routine foot care:	Not covered

Ground ambulance

$250 copay

Health plan deductible

$0.00

Health plan deductibles (other)

In-Network: No

Hearing

Fitting/evaluation:	$0 copay (limits may apply) (authorization not required) (referral not required)
Hearing aids:	$0 copay (limits may apply) (authorization not required) (referral not required)
Hearing exam:	$30 copay (authorization not required) (referral not required)

Hospital coverage (inpatient)

$295 per day for days 1 through 7
$0 per day for days 8 through 90 (authorization required) (referral not required)

Hospital coverage (outpatient)

$0-250 copay per visit (authorization required) (referral not required)

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)

$6,700 In-network

Medical equipment/supplies

Diabetes supplies:	$0 copay (authorization required)
Durable medical equipment (e.g., wheelchairs, oxygen):	20% coinsurance per item (authorization required)
Prosthetics (e.g., braces, artificial limbs):	20% coinsurance per item (authorization required)

Medicare Part B drugs

Chemotherapy:	20% coinsurance (authorization required)
Other Part B drugs:	20% coinsurance (authorization required)

Mental health services

Inpatient hospital – psychiatric:	$265 per day for days 1 through 7 $0 per day for days 8 through 90 (authorization required) (referral not required)
Outpatient group therapy visit:	$0 copay (authorization required) (referral not required)
Outpatient group therapy visit with a psychiatrist:	$0 copay (authorization required) (referral not required)
Outpatient individual therapy visit:	$0 copay (authorization required) (referral not required)
Outpatient individual therapy visit with a psychiatrist:	$0 copay (authorization required) (referral not required)

Optional supplemental benefits

Preventive care

$0 copay (authorization not required) (referral not required)

Rehabilitation services

Occupational therapy visit:	$30 copay (authorization required) (referral not required)
Physical therapy and speech and language therapy visit:	$30 copay (authorization required) (referral not required)

Skilled Nursing Facility

$0 per day for days 1 through 20
$196 per day for days 21 through 100 (authorization required) (referral not required)

Transportation

$0 copay (limits may apply) (authorization required) (referral not required)

Vision

Contact lenses:	$0 copay (limits may apply) (authorization not required) (referral not required)
Eyeglass frames:	$0 copay (limits may apply) (authorization not required) (referral not required)
Eyeglass lenses:	$0 copay (limits may apply) (authorization not required) (referral not required)
Eyeglasses (frames and lenses):	$0 copay (limits may apply) (authorization not required) (referral not required)
Other:	Not covered (no limits)
Routine eye exam:	$0 copay (limits may apply) (authorization required) (referral not required)
Upgrades:	$0 copay (limits may apply) (authorization not required) (referral not required)

Wellness programs (e.g., fitness, nursing hotline)

Covered (authorization not required) (referral not required)