more......I don't have Medicare Advantage anymore. If I did it would cost me easily $3000-$3500 per year+out of pocket maybe another $4000....the deductible etc etc. Two years of that=$7000,,,,3 years $10,000. (A new head in Buenos Aires costs about $8000 including a really cute face) The Berkshire plan covers any emergency and other things....100% ....no deductible...my age ....76...cost per month about $90. Read your Cigna coverage carefully....not as I did.