Cigna Healthcare Medicare Plans in Florida
Star Rating
4 out of 5
Enrollment
0.7M+ members
National Rank
#5
Network Types
HMO, PPO
Cigna Healthcare is a major Medicare insurance providers in Florida, offering Medicare Advantage, Medicare Advantage with prescription drug coverage, Part D prescription drug plans to beneficiaries across the state. With 4-star ratings and coverage in Miami, Tampa, Orlando and surrounding areas, Cigna Healthcare serves Florida's 4.5+ million Medicare-eligible residents.
Florida has 54% of Medicare beneficiaries enrolled in Medicare Advantage plans, above the national average. Cigna Healthcare's Florida plans typically include behavioral health and care coordination, making them a strong choice for beneficiaries in the FL market.
The Bottom Line
Cigna Healthcare is a solid choice for Florida Medicare beneficiaries who want behavioral health with 4-star rated plans. Compare Cigna Healthcare options with other Florida carriers to find the best fit for your healthcare needs and budget.
Cigna Healthcare Pros and Cons
Pros
- Excellent behavioral health coverage
- Strong care coordination programs
- Good customer service ratings
- Competitive telehealth benefits
- Express Scripts pharmacy integration
Cons
- Smaller market presence than competitors
- Limited plan options in some areas
- Fewer $0 premium plans available
- Provider networks may be smaller
Cigna Healthcare Plan Types in Florida
Cigna Healthcare offers multiple Medicare plan types to Florida residents, each designed for different healthcare needs and budgets:
Medicare Advantage (Part C): Cigna Healthcare's Florida Medicare Advantage plans combine hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into one plan. Many Cigna Healthcare MA plans in Florida have $0 monthly premiums beyond the Part B premium, with benefits including dental, vision, hearing, and fitness programs.
Medicare Supplement (Medigap): Cigna Healthcare offers standardized Medigap plans in Florida that work with Original Medicare to cover costs like the Part B coinsurance and deductibles. Popular options include Plan G and Plan N.
Part D Prescription Drug Plans: Cigna Healthcare's standalone Part D plans in Florida provide prescription drug coverage for those on Original Medicare. Plans vary in formulary coverage and preferred pharmacy networks.
Cigna Healthcare Provider Networks in Florida
Cigna Healthcare's Florida Medicare Advantage plans use HMO and PPO networks. Network size and provider participation vary by plan and county.
In Miami and surrounding Miami-Dade County, Cigna Healthcare networks typically include major health systems. However, provider participation can change annually, so always verify your doctors are in-network before enrolling.
For beneficiaries in Miami, Tampa, Orlando, Jacksonville, Cigna Healthcare generally offers good hospital and specialist coverage. Rural areas of Florida may have more limited network options, making PPO plans with out-of-network benefits a consideration.
Use Cigna Healthcare's online provider directory at https://www.cigna.com/find-a-doctor to verify network participation for any Florida doctor or facility.
Cigna Healthcare Florida Plan Costs
Cigna Healthcare Medicare plan costs in Florida vary by plan type, county, and coverage level. Here's what to expect:
Medicare Advantage Premiums: Many Cigna Healthcare MA plans in Florida offer $0 monthly premiums beyond the Part B premium (often $0). Higher-benefit plans may have premiums of $20-$100+/month.
Out-of-Pocket Maximums: All Cigna Healthcare Medicare Advantage plans include annual out-of-pocket limits, protecting you from catastrophic costs. Limits typically range from $3,000-$8,000 depending on the plan.
Medigap Premiums: Cigna Healthcare Medigap plans in Florida average $175-$275/month for Plan G, varying by age, gender, and tobacco use. Rates are typically lower when you enroll during your Medigap Open Enrollment Period.
Cigna Healthcare Star Ratings in Florida
Cigna Healthcare's Medicare plans currently hold 4-star ratings (out of 5) from CMS. Star ratings measure quality across categories including:
- Staying healthy (screenings, tests, vaccines) - Managing chronic conditions - Member experience and satisfaction - Member complaints and access to care - Customer service quality
Plans with 4+ stars are considered high-performing and may offer additional benefits. Cigna Healthcare's above-average ratings in Florida reflect strong performance across these quality measures.
Cigna Healthcare Key Facts
Frequently Asked Questions
Is Cigna Healthcare a good Medicare plan in Florida?
Cigna Healthcare is a reputable Medicare insurers in Florida with 4-star ratings. Whether it's the best choice for you depends on your doctors, medications, and coverage preferences. Cigna Healthcare is known for behavioral health and care coordination.
Does Cigna Healthcare Medicare cover my Miami doctors?
Cigna Healthcare's Florida provider networks include many doctors and hospitals in Miami and surrounding areas. However, network participation varies by specific plan. Always verify your doctors are in-network using Cigna Healthcare's provider directory before enrolling.
How much do Cigna Healthcare Medicare plans cost in Florida?
Many Cigna Healthcare Medicare Advantage plans in Florida have $0 monthly premiums beyond the Part B premium. Costs vary by plan type, benefits, and your county. Cigna Healthcare Medigap plans typically cost $175-$275/month for Plan G.
Can I switch to Cigna Healthcare Medicare in Florida?
You can switch to Cigna Healthcare during the Annual Enrollment Period (October 15 - December 7), during a Special Enrollment Period if you qualify, or during the Medicare Advantage Open Enrollment Period (January 1 - March 31) if you're currently in a Medicare Advantage plan.
Does Cigna Healthcare offer $0 premium plans in Florida?
Yes, Cigna Healthcare offers several $0 premium Medicare Advantage plans in many Florida counties. These plans still require you to pay your Part B premium. $0 premium plans may have different benefit levels and cost-sharing than plans with monthly premiums.
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