If you are looking for Cigna True Choice Savings Medicare PPO, start with your current plan identification number and the HealthSpring member resources. The former Cigna Medicare business now uses the HealthSpring brand. An older plan name does not establish today's benefits, price or service area.
Follow the plan, not only the name
Find your Annual Notice of Change and current Evidence of Coverage. Match the contract, plan and segment numbers where shown, your county and the coverage year. Ask member services to identify the successor if the name changed. Do not assume every True Choice or True Choice Savings plan has identical terms.
Review the PPO arrangement
| Question | What to verify |
|---|---|
| In-network care | Doctors, hospitals, expected copayments and participating facilities. |
| Out-of-network care | Covered services, higher costs and provider willingness to treat and bill the plan. |
| Spending limits | In-network and combined limits shown in the exact contract. |
| Part D | Whether included, separate costs and pharmacy rules. |
A PPO generally allows covered out-of-network care, but this is not unlimited access to every service at the same cost. Confirm any required authorization and obtain a written estimate before planned care.
What does “Savings” guarantee?
The word in a plan name does not guarantee a particular premium reduction or lower total spending. Compare premiums, hospital and outpatient costs, medical limits and optional-benefit restrictions using current documents.
Before changing coverage
Verify your enrollment opportunity and effective date. Keep Medicare Parts A and B as required and account for the Part B premium. If coverage comes through an employer or union, use the sponsor's group documents and consult its administrator before making an individual change.
Keep the insurer's written explanation with your card and benefit documents so future claims questions can be tied to the correct plan.
Related coverage questions
- Medicare HMO and PPO: Networks, Referrals and Costs
- How to Compare Medicare Advantage Plans: A Practical Worksheet
- Medicare Annual Open Enrollment: A Practical Review