You can get vision coverage by enrolling in a Cigna Medicare Advantage plan. Vision coverage is part of many Cigna plans, and your cost will be based on where you live and which plan you choose.
You depend on your eyesight for many of your daily activities. If you wear prescription eyeglasses, keeping your prescription accurate and up to date is an important part of your healthcare needs.
Cigna Medicare Advantage vision coverage gives you access to vision and eye services, including annual eye exams, prescription eyeglasses, and contact lenses.
Vision coverage is part of most Cigna Medicare Advantage plans. These all-in-one plans will cover your basic hospital and medical needs, as well as prescription medications. They also offer added benefits like hearing and dental.
Most Cigna Medicare Advantage plans offer vision and eye care. These benefits cover a number of vision and eye services, such as a routine eye exam annually and an allowance toward glasses that may be as high as $500, depending on your plan.
In addition, your plan may include coverage for things like diabetic retinal exams or glaucoma screenings, especially if you’re at high risk for diabetes.
Coverage and copay rates vary between plans, but most offer affordable coverage that lowers your out-of-pocket vision care costs.
Cigna Medicare Advantage plans are different in each state, so before you enroll, carefully compare benefits, vision coverage, deductibles, and maximum coverage amounts for eyewear.
Cigna’s Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS) plans can all offer vision and eye services.
Your costs for any Medicare Advantage plan will depend on where you live and the plan you choose.
Here are some of the 2024 costs for Cigna Medicare Advantage plans in a few different cities:
| City | Cigna Medicare Advantage plan with vision | Monthly premium | In-network maximum out of pocket |
|---|---|---|---|
| Atlanta, GA | Cigna Preferred Medicare (HMO) | $0 | $5,100 |
| Cigna Preferred GA Medicare (HMO) | $0 | $5,500 | |
| Cigna True Choice Savings Medicare (PPO) | $0 | $6,751 | |
| Chicago, IL | Cigna Preferred Medicare (HMO) | $0 | $2,350 |
| Cigna Premier Medicare (HMO-POS) | $0 | $3,250 | |
| Cigna True Choice Medicare (PPO) | $0 | $6,200 | |
| Dallas, TX | Cigna Preferred Medicare (HMO) | $0 | $2,600 |
| Cigna True Choice Courage Medicare (PPO) | $0 | $5,700 | |
| Denver, CO | Cigna Preferred Medicare (HMO) | $0 | $3,550 |
| Cigna True Choice Medicare (PPO) | $0 | $5,200 |
You can compare premium rates and additional benefits using the Medicare plan finder tool. Simply enter your ZIP code to compare the plans offered in your area.
To be eligible for Medicare coverage, you must meet the following criteria. You must be:
- a U.S. citizen or permanent resident
- over age 65
- an adult under age 65 with a disability or chronic illness
You can enroll in Original Medicare through the nearest Social Security office. Make sure you get both parts A and B to be eligible for vision coverage.
The best time to apply for Medicare is during the initial enrollment period, which starts three months before your 65th birthday and continues for three months after.
After you’ve enrolled in Original Medicare, you’re eligible for Cigna Medicare Advantage vision coverage.
Cigna Medicare Advantage plans differ from state to state. You can compare premium rates and benefits using the Medicare plan finder tool. Enter your ZIP code to see plans offered in your area.
When you’re ready to enroll in a Cigna Medicare Advantage plan, fill out a form online or get assistance over the phone.
When can I apply for a Medicare Advantage plan?If you’re planning to enroll in Medicare Advantage, you’ll need to know several enrollment deadlines and dates:
- Initial enrollment period: This is a 7-month window around your 65th birthday when you can sign up for Medicare. It begins 3 months before your birth month, includes the month of your birthday, and extends an additional 3 months after your birthday. During this time, you can enroll for all parts of Medicare without a penalty.
- Open enrollment period (October 15–December 7): During this time, you can switch from original Medicare (parts A and B) to Part C (Medicare Advantage), or from Part C back to original Medicare. You can also switch Part C plans or add, remove, or change a Part D plan.
- General enrollment period (January 1–March 31): You can enroll in Medicare during this time frame if you didn’t enroll during your initial enrollment period.
- Special enrollment period. If you delayed Medicare enrollment for an approved reason, you can later enroll during a special enrollment period. You have 8 months from the end of your coverage or the end of your employment to sign up without penalty.
- Medicare Advantage open enrollment (January 1–March 31): During this period, you can switch from one Medicare Advantage plan to another or go back to original Medicare. You cannot enroll in a Medicare Advantage plan if you currently have original Medicare.
Does Cigna Medicare cover eyeglasses?
Your Cigna Medicare Advantage plan likely covers most vision and eye services. You’ll have a yearly max to spend on eyeglass frames, prescription lenses, and contact lenses. Your coverage will also include annual eye exams.
What is Cigna Medicare Advantage?
Medicare Advantage (Part C) is a plan provided by private companies under contract with Medicare. It replaces Medicare Parts A and B and covers all services included in those parts. Cigna offers different types of plans, including HMOs, PPOs, SNPs, and PFFS, as well as a separate Part D plan for prescription drugs.
Learn more: Cigna Medicare Advantage in 2024 and Medicare Advantage HMO vs PPO.
Is Cigna vision the same as EyeMed?
Your Cigna Medicare Advantage vision benefits may be provided by EyeMed Vision Care. This is a vision benefits company that’s partnering with Cigna.
Some Cigna Medicare Advantage plans cover vision and eye care. Your plan costs will depend on your ZIP code and the plan you choose.
Original Medicare covers some vision services if you meet specific requirements, such as having diabetes. If not, you’ll need to purchase extra vision coverage.