Cigna Healthcare Offers Medicare Customers Value, Stability and Choice with 2025 Plans
Cigna Healthcare has announced its 2025 Medicare plans, offering a wide range of options including Medicare Advantage (MA), Medicare Supplement, and standalone Prescription Drug Plans (PDP). The company aims to provide value, stability, and choice for every lifestyle and budget. Key features include:
- Many MA plans available for $0 premium, with some offering money back on Social Security checks
- Dental, vision, and hearing benefits included in all MA plans
- A new 'living needs allowance' in many Dual-Eligible Special Needs Plans (DSNP)
- Incentives up to $200 for completing health screenings and activities
- Three PDP options: Saver Rx, Assurance Rx, and Extra Rx
Cigna Healthcare continues to offer MA plans in 29 states and D.C., Medicare Supplement plans in 48 states and D.C., and PDP plans nationwide. The Medicare Annual Enrollment Period runs from October 15 to December 7, with most plans effective January 1, 2025.
Cigna Healthcare ha annunciato i suoi piani Medicare per il 2025, offrendo una vasta gamma di opzioni tra cui Medicare Advantage (MA), Supplemento Medicare e piani standalone Prescription Drug Plans (PDP). L'azienda si propone di fornire valore, stabilità e scelte per ogni stile di vita e budget. Le caratteristiche principali includono:
- Molti piani MA disponibili con premio di $0, con alcuni che offrono un rimborso sui controlli della Sicurezza Sociale
- Benefici per denti, vista e udito inclusi in tutti i piani MA
- Un nuovo 'indennità per le necessità vitale' in molti Piani per Bisogni Speciali Doppio Idonei (DSNP)
- Incentivi fino a $200 per il completamento di screening sanitari e attività
- Tre opzioni PDP: Saver Rx, Assurance Rx e Extra Rx
Cigna Healthcare continua a offrire piani MA in 29 stati e D.C., piani Supplemento Medicare in 48 stati e D.C., e piani PDP in tutto il paese. Il Periodo Annuale di Iscrizione a Medicare va dal 15 ottobre al 7 dicembre, con la maggior parte dei piani attivi a partire dal 1° gennaio 2025.
Cigna Healthcare ha anunciado sus planes de Medicare para 2025, ofreciendo una amplia gama de opciones que incluyen Medicare Advantage (MA), Suplemento de Medicare y planes de Prescription Drug Plans (PDP) independientes. La empresa tiene como objetivo proporcionar valor, estabilidad y opciones para cada estilo de vida y presupuesto. Las características clave incluyen:
- Muchos planes de MA disponibles con prima de $0, algunos ofrecen reembolso en los cheques de Seguridad Social
- Beneficios dentales, de visión y de audición incluidos en todos los planes de MA
- Una nueva 'asignación de necesidades básicas' en muchos Planes de Necesidades Especiales Duales (DSNP)
- Incentivos de hasta $200 por completar exámenes de salud y actividades
- Tres opciones de PDP: Saver Rx, Assurance Rx y Extra Rx
Cigna Healthcare sigue ofreciendo planes de MA en 29 estados y D.C., planes de Suplemento de Medicare en 48 estados y D.C., y planes de PDP a nivel nacional. El Período Anual de Inscripción a Medicare va del 15 de octubre al 7 de diciembre, siendo la mayoría de los planes efectivos a partir del 1 de enero de 2025.
시그나 헬스케어는 2025년 메디케어 계획을 발표하며, 메디케어 어드밴티지(MA), 메디케어 보충 계획 및 독립형 처방약 계획(PDP) 등 광범위한 선택을 제공합니다. 회사는 모든 라이프스타일과 예산을 위한 가치, 안정성 및 선택을 제공하는 것을 목표로 하고 있습니다. 주요 특징은 다음과 같습니다:
- $0 프리미엄으로 이용 가능한 많은 MA 계획, 일부는 사회 보장 수표에서 환급 제공
- 모든 MA 계획에 포함된 치과, 시력 및 청각 혜택
- 많은 이중 자격 특수 요구 계획(DSNP)에 새로운 '생활 필요 수당' 포함
- 건강 검사 및 활동 완료 시 최대 $200의 인센티브
- 세 가지 PDP 옵션: Saver Rx, Assurance Rx 및 Extra Rx
시그나 헬스케어는 29개 주와 D.C.에서 MA 계획을 지속적으로 제공하며, 48개 주와 D.C.에서 메디케어 보충 계획, 그리고 전국적으로 PDP 계획을 제공합니다. 메디케어 연간 등록 기간은 10월 15일부터 12월 7일까지이며, 대부분의 계획은 2025년 1월 1일부터 유효합니다.
Cigna Healthcare a annoncé ses plans Medicare pour 2025, offrant un large éventail d'options comprenant Medicare Advantage (MA), un complément Medicare et des plans de médicaments sur ordonnance (PDP) autonomes. L'entreprise vise à fournir de la valeur, de la stabilité et des choix pour chaque style de vie et budget. Les caractéristiques clés incluent :
- De nombreux plans MA disponibles avec une prime de $0, certains offrant un remboursement sur les chèques de Sécurité Sociale
- Des avantages dentaires, de la vue et de l'audition inclus dans tous les plans MA
- Une nouvelle 'allocation pour besoins vitaux' dans de nombreux Plans de Besoins Spéciaux Dossier Éligible (DSNP)
- Des incitations allant jusqu'à $200 pour le passage d'examens de santé et d'activités
- Trois options PDP : Saver Rx, Assurance Rx et Extra Rx
Cigna Healthcare continue de proposer des plans MA dans 29 États et D.C., des plans de complément Medicare dans 48 États et D.C., et des plans PDP à l'échelle nationale. La Période Annuelle d'Inscription à Medicare s'étend du 15 octobre au 7 décembre, avec la plupart des plans prenant effet le 1er janvier 2025.
Cigna Healthcare hat seine Medicare-Pläne für 2025 angekündigt, die eine breite Palette von Optionen anbieten, darunter Medicare Advantage (MA), Medicare-Zusatzversicherung und eigenständige Verschreibungspflichtige Medikamente (PDP). Das Unternehmen strebt an, Wert, Stabilität und Auswahl für jeden Lebensstil und jedes Budget zu bieten. Zu den Hauptmerkmalen gehören:
- Viele MA-Pläne sind mit $0 Prämie verfügbar, wobei einige Geld auf Sozialversicherungschecks zurückzahlen
- Zahn-, Augen- und Hörleistungen in allen MA-Plänen enthalten
- Eine neue 'Lebensbedarfszulage' in vielen Dual-Eligible Special Needs Plans (DSNP)
- Anreize von bis zu $200 für die Durchführung von Gesundheitsuntersuchungen und Aktivitäten
- Drei PDP-Optionen: Saver Rx, Assurance Rx und Extra Rx
Cigna Healthcare bietet weiterhin MA-Pläne in 29 Bundesstaaten und D.C. an, zusätzlich zu Medicare-Zusatzversicherungsplänen in 48 Bundesstaaten und D.C. sowie PDP-Plänen landesweit. Der Jährliche Anmeldungszeitraum für Medicare läuft vom 15. Oktober bis zum 7. Dezember, wobei die meisten Pläne ab dem 1. Januar 2025 gültig sind.
- Many Medicare Advantage plans available for $0 premium
- Dental, vision, and hearing benefits included in all Medicare Advantage plans
- New 'living needs allowance' offered in many Dual-Eligible Special Needs Plans
- Incentives up to $200 for completing health screenings and activities
- Wide range of Medicare plan options across multiple states
- None.
Insights
Cigna Healthcare's 2025 Medicare offerings demonstrate a strategic focus on value, stability and choice. The company is maintaining its broad geographic presence while enhancing benefits to address key customer needs:
- $0 premium plans in most markets, appealing to cost-conscious seniors
- Inclusion of dental, vision and hearing coverage in all MA plans, addressing common healthcare gaps for seniors
- Increased incentives for health screenings and activities, promoting preventive care
- Introduction of a "living needs allowance" in DSNP plans, tackling social determinants of health
The expansion of the Cigna Healthy Today flex card program is particularly noteworthy, as it provides flexibility for customers to address non-medical needs that impact health outcomes. This approach aligns with industry trends towards more holistic healthcare models.
While these offerings are competitive, the real impact on Cigna's market position will depend on how they compare to competitors' plans and local market dynamics. The stability in service areas suggests a focus on deepening market penetration rather than geographic expansion.
From a financial perspective, Cigna's 2025 Medicare strategy appears focused on maintaining and potentially growing its market share in a competitive landscape. Key financial implications include:
- Potential pressure on margins due to $0 premium plans and enhanced benefits
- Possible offset through improved member retention and acquisition, driven by attractive offerings
- Long-term cost savings potential from increased focus on preventive care and addressing social determinants of health
- Diversification of revenue streams through companion products like dental plans and hospital indemnity
The impact on Cigna's financials will largely depend on enrollment numbers and the company's ability to manage costs effectively. The emphasis on value-added services and flexible spending options could lead to higher member satisfaction and retention, potentially reducing churn-related expenses.
Investors should monitor enrollment figures during and after the Annual Enrollment Period to gauge the success of these offerings. Additionally, keep an eye on medical loss ratios in future quarters to assess how well Cigna is balancing enhanced benefits with profitability.
- Plans available for every lifestyle and budget, including Medicare Advantage (MA) plans, Medicare Supplement plans, and standalone Prescription Drug Plans, all with competitive premiums and benefits.
- Many MA plans available for
$0 - Dental, vision, and hearing benefits included in all Medicare Advantage (MA) plans.
- "Living needs allowance" offered in many DSNPs.
- Customer support available 7-days a week to help guide Medicare Advantage shoppers during the Annual Enrollment Period.
"Medicare customers count on us for high-quality, reliable health and wellness benefits," said Chris DeRosa, president,
Cigna Healthcare continues to offer Medicare Advantage (MA) plans in 29 states and the
Cigna Healthcare MA plans offer added-value benefits to support overall health and vitality
Benefits, which vary by plan, include the following:
$0 - Dental, vision and hearing coverage in all plans
- Prescription drug coverage
- Military veteran-specific plans
- Fitness benefits
- Incentives of up to
$200 - Transportation to and from doctors and pharmacies
- Allowance for over-the-counter health-related products
- Support program for caregivers
- Virtual care options for nonemergency urgent care, behavioral health, dermatology and speech therapy
- Online tool for advance care planning
- Home delivery of nutritious meals at no extra cost following admission to a qualified hospital or skilled nursing facility
New effort launches to reduce health disparities by giving eligible customers flexibility to spend their health care dollars on key living needs
To address social determinants of health barriers, Cigna Healthcare is launching a "living needs allowance" in many of its Dual-Eligible Special Needs (DSNP) plans in 2025. This allowance gives customers the flexibility to decide where to spend their dollars. Choices include such things as healthy foods, transportation and gas, utility costs and cleaning supplies.
The living needs allowance, rewards and incentives, and some other benefits are enabled through the Cigna Healthy Today flex card, which allows customers to purchase goods at around 65,000 eligible retail locations.
Affordable Prescription Drug Plans and Supplement Options
In addition to MA, Cigna Healthcare provides customers with options to meet a variety of different health needs, lifestyles, and budget goals through its Medicare Supplement and Prescription Drug Plan (PDP) options.
Medicare Supplement plans offer flexible, affordable options and, in most states, premium discounts for customers of the same household and for those who apply online. Cigna Healthcare also offers companion products, such as standalone dental plans, hospital indemnity, short-term care, and a combined plan including dental, vision, and hearing.
Medicare Supplement plans are often paired with a standalone PDP. For 2025, Cigna Healthcare offers the following PDP plans:
- Cigna Healthcare Saver Rx: This plan includes low premiums, low to
$0 - Cigna Healthcare Assurance Rx: Available to serve customers with Extra Help or those looking for basic coverage.
- Cigna Healthcare Extra Rx: Provides flexible coverage with a large pharmacy network, savings on many generics, and select supplemental benefits, such as prescription vitamins, a high level of coverage with a robust drug list, a low deductible, and special savings with gap coverage.
All plans have
2025 Medicare Annual Enrollment Period
The Medicare Annual Enrollment Period begins Oct. 15 and continues through Dec. 7. Most plans purchased during AEP are effective Jan. 1, 2025.
People can learn more about Cigna Healthcare's Medicare Advantage, Prescription Drug and Medicare Supplement plans and find out which plans are available in their locations by plugging in their ZIP codes at CignaMedicareInformation.com or by calling (877) 349-2897 (TTY 711) seven days a week, 8 a.m. to 8 p.m, (through the end of AEP) to speak with a licensed insurance agent.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by Cigna Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal. © 2024 Cigna Healthcare.
About Cigna Healthcare
Cigna Healthcare is a health benefits provider that advocates for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Products and services are provided exclusively by or through operating subsidiaries of The Cigna Group (NYSE:CI), including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, Evernorth Health companies or their affiliates and Express Scripts companies or their affiliates. Such products and services include an integrated suite of health services, such as medical, dental, behavioral health, pharmacy, vision, supplemental benefits, and others. Learn more at cignahealthcare.com.
Media Contact
Jocelyn Parker
Jocelyn.parker@cignahealthcare.com
313-510-4173
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SOURCE Cigna Healthcare
FAQ
What types of Medicare plans does Cigna Healthcare offer for 2025?
Are there any $0 premium Medicare Advantage plans from Cigna Healthcare for 2025?
What is the 'living needs allowance' offered by Cigna Healthcare in 2025?
When is the Medicare Annual Enrollment Period for Cigna Healthcare's 2025 plans?
