Health insurance plans: Cigna Health Savings Account (HSA) vs. Humana Medicare Advantage HMO
Quick Verdict
Cigna HSA is suitable for those seeking tax advantages and flexibility, while Humana Medicare Advantage HMO is geared towards Medicare beneficiaries with varying premium and deductible options.
- Cigna HSA offers a triple tax advantage and typically doesn't require referrals for specialists.
- Humana Medicare Advantage HMO may have $0 premium plans and covers emergency room visits, even out-of-network, but generally requires referrals.
Key features – Side-by-Side
| Attribute | Cigna Health Savings Account (HSA) | Humana Medicare Advantage HMO |
|---|---|---|
| Monthly Premium Cost | Information can be found within plan documents or by contacting a Cigna Healthcare representative. | Many plans have a $0 monthly premium, but members are responsible for the Medicare Part B premium (at least $185 in 2025). Some plans may cover part or all of the Part B premium. |
| Deductible Amount | For 2021, the minimum deductible was $1,400 for single and $2,800 for family plans. | Varies by plan. Some plans have a $0 deductible, while others may have a deductible amount. For example, one plan has a $330 deductible. |
| Out-of-Pocket Maximum | For 2021, the annual out-of-pocket maximum could not exceed $4,500 for single and $9,000 for family coverage. | Varies depending on the plan. Examples include $3,000, $3,600, and $4,500 in-network. The MOOP expense cap for Medicare Advantage plans in 2025 is $9,350, but some plans may set a lower amount. |
| Coverage for Specialist Visits | You can typically see a specialist without a referral. | Copays vary. Generally requires a referral from a PCP to see a specialist (HMO plan). |
| Telehealth Services Availability | Cigna provides access to telehealth services through Cigna Telehealth Connection, provided by Amwell and MDLIVE, offering 24/7 access to doctors and pediatricians via video or phone. | Plans cover telehealth services. Some plans may cover additional telehealth services beyond what Original Medicare covers. Humana's virtual visits are delivered by MDLIVE. |
| Availability of Health Savings Account (HSA) | The Cigna Choice Fund HSA combines health coverage with a tax-advantaged health savings account. The HSA is established through HSA Bank. | Information not found in the provided context. |
| Customer Satisfaction Ratings | For specific customer satisfaction ratings, it's best to consult independent review sites and resources. | Received an average rating of 3.63 stars out of 5 from CMS for 2025. NCQA ratings range from 2.5 to 4.0 out of 5 stars. J.D. Power ranked Humana second overall in the 2024 U.S. Medicare Advantage Study Overall Customer Satisfaction Index Rating. |
Overall Comparison
Premium: Varies; Referral: Cigna typically not required, Humana generally required; HSA: Cigna offers, Humana info not found
Pros and Cons
Cigna Health Savings Account (HSA)
Pros:
- Broad network of providers
- Telehealth services available 24/7
- Preventive care often covered at 100% in-network
- No referral typically needed to see a specialist
- HSA offers a triple tax advantage
Cons:
- Out-of-network emergency care may be covered at a lower percentage
- Prescription drug coverage subject to deductible
- All health insurance policies have exclusions and limitations
Humana Medicare Advantage HMO
Pros:
- Full coverage for most annual preventive screenings (Humana Gold Plus HMO)
- Telehealth services available through MDLIVE
- Generally covers emergency room visits, even out-of-network
- Broad network of providers
Cons:
- Requires referral from PCP to see a specialist (HMO)
- Limitations, copayments, and restrictions may apply
- Benefits and member cost-share may change annually
User Experiences and Feedback
Cigna Health Savings Account (HSA)
What Users Love
- No highlights reported.
Common Complaints
- No major complaints reported.
Value Perception
- No value feedback reported.
Humana Medicare Advantage HMO
What Users Love
- Humana ranked number 1 among health insurers for Customer Experience in 2023, according to Forrester's 2023 U.S. Customer Experience Benchmark survey.
Common Complaints
- No major complaints reported.
Value Perception
- No value feedback reported.