Regence vs Cigna HealthSpring: Best Plans for Snowbirds Comparison — Utah Medicare 2026
Utah snowbirds who spend winters in Arizona, Nevada, or Florida need a Medicare Advantage plan that covers them out of state. PPO plans offer out-of-network access; HMOs generally don't. Compare Regence and Cigna HealthSpring for part-year Utah residents.
Key Differences
at a Glance
Questions Medicare Enrollees Ask
Which Medicare option is best for frequent travelers or snowbirds?
How long is my Special Enrollment Period after losing employer coverage?
Which Utah D-SNP plans are available in my area?
More Medicare Plan Comparisons
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Coverage Available in
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Areas
Which Plan Type Is Right for You?
Medicare Advantage HMO
Health Maintenance Organization plan that typically requires you to use network providers and get referrals for specialists.
Learn about PPO plans →Medicare Advantage Prescription Drug PPO
Medicare Advantage PPO plan that includes Part D prescription drug coverage.
Learn about PPO plans →Medicare Supplement Plan B
Covers Part A deductible in addition to Plan A benefits.
Learn about PPO plans →Medicare Advantage PFFS
Private Fee-for-Service plan where you can see any Medicare-approved provider who accepts the plan's payment terms.
Learn about PPO plans →Medicare Advantage PPO
Preferred Provider Organization plan that offers more flexibility to see out-of-network providers at higher cost.
Learn about PPO plans →Medicare Supplement Plan G
Comprehensive coverage except Part B deductible. Most popular Medigap plan.
Learn about PPO plans →Medicare Supplement Plan A
Basic Medicare Supplement coverage including Part A coinsurance and hospital costs.
Learn about PPO plans →Medicare Advantage HMO-POS
HMO with Point of Service option allowing some out-of-network care with referrals.
Learn about PPO plans →Medicare Advantage Prescription Drug HMO
Medicare Advantage HMO plan that includes Part D prescription drug coverage.
Learn about PPO plans →Medicare Supplement Plan D
Covers Part A deductible, skilled nursing facility coinsurance, and foreign travel emergency.
Learn about PPO plans →Medicare Advantage Special Needs Plan
Special Needs Plan for people with specific diseases or characteristics.
Learn about PPO plans →Medicare Supplement Plan N
Similar to Plan G but with small copays for doctor visits and ER visits.
Learn about PPO plans →Part D Prescription Drug Plan
Standalone prescription drug coverage to supplement Original Medicare or Medicare Supplement.
Learn about PPO plans →
Related Medicare Guides
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