Cigna Medicare plans and Blue Cross Medicare plans An Overview

Cigna Medicare plans offer a number of packages. They are:

– HMO CIGNA Advantage.

– CIGNA Part D.

– PFFS Medicare policies.

HMO (Health Maintenance Organization) plans are the least expensive option. The effect of lower cost is reflected as restricted access to health care. Plans have a set monthly fee, covering doctors within the plan. If you visit a doctor outside of the plan, you are then responsible for the bill. Within a given plan, you have given the right to choose a Primary Care Physician (PCP) who will look after your care. The HMO CIGNA medicare plans cover regular and preventive care costs, referrals to a network specialist or facility when necessary, treatment for injuries and illness. There is no need of paying any additional fees in HMO plans as it has no fees for doctor visits. The CIGNA Part D plan is called CIGNA Medicare Rx offers coverage for 94% of available drugs, access to over 58,000 network pharmacies, no deductibles for select plans, no copayments for common drugs and diseases like diabetes and drug pressure. The CIGNA plan D in turn offers three types of plans namely, Plan 1, Plan 2 and Plan 3.

Medicare CIGNA offers several Advantage plans, one of which is its private fee-for-service (PFFS) option. The PFFS plan offered by this company called CIGNA Medicare Access offers full coverage for Original Medicare (Parts A and B), additional dental, hearing, and vision benefits, the right to choose any health care provider, with no network restrictions, emergency coverage across the world, limited prescription drug coverage for some plans. This plan also offers four different plan options called Plan 1, Plan 2, Plan 3 and Plan 4.

Blue Cross medicare plans are often the combination of single medicare plan and HMO plan. The benefits include low or no, monthly premiums, low copayments for doctor office visits, and coverage for vision, dental and routine care. This plan, however, is only available to only certain geographic locals and also the names of the plans are not standardized. For example in California the Blue Cross Medicare HMO is offered by Anthem and is called; Blue Cross Senior Secure. In Florida, plans are available from BlueCross BlueShield of Florida, and the Medicare HMO is specifically called BlueMedicare HMO. The Plan benefits will also vary from plan to plan. The most important beneficiaries offered by Blue Cross medicare plans are Advantage plans, Medigap and Part D drug coverage (PDP).

Though Blue Care medicare plans offer standardized beneficiaries, standardized coverage, they vary according to the geographical locations. BlueMedicare HMO, BlueMedicare PPO, BlueMedicare Regional PPO and Blue Medicare PFFS are some of the examples for Blue Cross Advantage plans that are available for 2010.