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Have additional questions? Speak to a licensed Benefits Advisor now. Give us a call at:
Cigna Healthcare. All rights reserved.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE, are owned by Cigna Intellectual Property, Inc.
To file a marketing complaint, contact Cigna Healthcare at 1-800-668-3813 (TTY 711), Monday – Friday, 7:30 a.m. – 7:30 p.m. CT, or call 1-800-MEDICARE (24 hours a day /7 days a week). Please include the agent/broker’s name if possible.
Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
Y0036_24_1026503_M | Page last updated 09/28/2023.
Your health care needs can change each year so it’s important to compare your Medicare options to make sure you’re getting the right coverage. The more you know about your Medicare options, the more confident you’ll feel in your decision. Discover the value of Cigna Healthcare with your FREE Medicare Decision Guide. Fill out the form below to get started.
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Fill out this form to get your FREE
Medicare Decision Guide.
Cigna Healthcare. All rights reserved.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE, are owned by Cigna Intellectual Property, Inc.
To file a marketing complaint, contact Cigna Healthcare at 1-800-668-3813 (TTY 711), Monday – Friday, 7:30 a.m. – 7:30 p.m. CT, or call 1-800-MEDICARE (24 hours a day /7 days a week). Please include the agent/broker’s name if possible.
Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
Y0036_24_1026503_M | Page last updated 09/28/2023.
Save money and delays in coverage by understanding Medicare’s costs, coinsurance and penalties.
Part A: Hospital Coverage
|
|
---|---|
Monthly Premium
|
$0 for most people. This is provided you or your spouse paid 40+ quarters (10 years) of Medicare taxes, or received Medicare earlier than age 65 and qualify for premium-free Part A.
If not, you’ll pay up to $506 each month, depending on how long you or your spouse worked and paid Medicare taxes.
|
Annual Deductible
|
$1,600 for each inpatient hospital benefit period. Note: you might have more than one benefit period a year, depending on how many times you visit a hospital.
|
Penalties
|
If you don’t enroll in Part A when you’re first eligible (usually when you turn 65), you might have to pay a penalty.
|
Did you know?
With Original Medicare, there’s no limit on what you could pay out of pocket. That’s why many people choose supplemental coverage, like a Medicare Advantage plan or Medicare Supplement Insurance.
Part C: Medicare Advantage | |
---|---|
Monthly Premium
|
Most plans have $0 or low monthly premiums. (But you must still pay your Part B premium.) |
Annual Deductible
|
Varies by plan |
Penalties
|
None, provided you sign up during one of several official enrollment periods. |
Part D: Prescription Drug Plan | |
---|---|
Monthly Premium
|
Varies by plan. You may have to pay more, depending on your income. |
Annual Deductible
|
Varies by plan and pharmacy. |
Penalties
|
If your employer does not offer “creditable coverage,” you have 63 days from your 65th birthday to enroll in a Part D plan to avoid a penalty.
If your employer, union or retiree plan stops offering prescription drug coverage, you can join a Medicare drug plan without penalty as long as you do so within 63 days of the end of your current coverage. |
Something to consider about Part D
Most Medicare Advantage plans include Part D prescription drug coverage.
What is Medicare?
Learn the basics of Medicare, including its purpose, how much it costs, what it covers and more.
Types of Medicare Plans
Explore the many different Medicare plan options so you can be ready to enroll in the plan that's right for you.
Choosing a Medicare Plan
No matter your needs or budget, Cigna Healthcare offers a wide range of plan options to choose from.
Cigna Healthcare. All rights reserved.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE, are owned by Cigna Intellectual Property, Inc.
To file a marketing complaint, contact Cigna Healthcare at 1-800-668-3813 (TTY 711), Monday – Friday, 7:30 a.m. – 7:30 p.m. CT, or call 1-800-MEDICARE (24 hours a day /7 days a week). Please include the agent/broker’s name if possible.
Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
Y0036_24_1026503_M | Page last updated 09/28/2023.
You probably had good reasons for choosing the Medicare plan you’re on now. But as time goes by, your health, lifestyle and financial picture may change. You should also know that Medicare plan benefits and prescription drug formularies change frequently, too. At some point, you might realize that you need to switch to another Medicare plan.
Start by checking the Annual Notice of Change (ANOC) sent by your current Medicare provider each fall to announce important changes to your plan for the upcoming year. Then—
Ask yourself—
Has my health changed over the last year?
Have the plan benefits, deductibles and copays changed?
Are the prescription drugs I’m currently taking on the new formulary?
Is the network of doctors, specialists and hospitals I see still covered?
Is my financial situation likely to change this coming year?
The answers to these questions will determine whether or not you should change plans.
You can change Medicare plans during any of these three periods:
Annual Enrollment Period (AEP)
October 15 – December 7.
Open Enrollment Period (OEP)
January 1 – March 31.
Special Enrollment Period (SEP)
Based on a variety of lifestyle events.
You can change your Medicare Supplement Insurance (Medigap) plan anytime. However, if you apply to change plans, you may have to go through a medical history review (underwriting), depending on which state you live in—unless you qualify for a Medicare guaranteed issue right.
What is Medicare?
Learn the basics of Medicare, including its purpose, how much it costs, what it covers and more.
Types of Medicare Plans
Explore the many different Medicare plan options so you can be ready to enroll in the plan that's right for you.
Choosing a Medicare Plan
No matter your needs or budget, Cigna Healthcare offers a wide range of plan options to choose from.
Cigna Healthcare. All rights reserved.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE, are owned by Cigna Intellectual Property, Inc.
To file a marketing complaint, contact Cigna Healthcare at 1-800-668-3813 (TTY 711), Monday – Friday, 7:30 a.m. – 7:30 p.m. CT, or call 1-800-MEDICARE (24 hours a day /7 days a week). Please include the agent/broker’s name if possible.
Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
Y0036_24_1026503_M | Page last updated 09/28/2023.
Here are a few things to consider:
If you’re planning on working past age 65, you may be wondering whether you should stay with your employer’s health plan or enroll in Medicare. The answer mostly depends on the size of your employer, as well as the cost and coverage of their health plan.
Let’s look part-by-part at how your decision to work past age 65 is impacted by Medicare’s rules.
Most people benefit by enrolling in Medicare Part A at age 65, whether or not they plan to continue working. You pay no premiums, and enrolling as soon as you’re eligible will help you avoid gaps in coverage later.
Depends on the size of the company you work for:
Your employer’s plan is your primary health coverage.
You can delay enrolling in Part B without a late enrollment penalty or lapse in coverage. When you leave your job, you have eight months to sign up for Part B under a Special Enrollment Period.
If you work for a large company, compare your current coverage and costs with Medicare. You may find you’re better off staying on your employer’s plan.
Medicare is your primary health coverage, and your employer’s plan is secondary.
This means that your employer’s plan won’t pay for anything covered by Medicare. Because you may pay a penalty if you don’t sign up for Part B when you’re first eligible—and there could be a delay in coverage, too—it’s best to sign up for Parts A, B and D at age 65.
When you do decide to enroll in Medicare, you could opt for a Medicare Advantage plan. Offered by private insurance companies, like Cigna HealthcareSM, these plans also usually come with Part D benefits and provide coverage for many things Original Medicare doesn’t.
If you choose to buy this insurance, you can do so during your one-time, six-month Medicare Supplement Open Enrollment Period, which starts when you enroll in Medicare Part B at age 65 or older. This is the only time companies must sell you a policy despite your health history or condition. If you wait until after your open enrollment period, or your policy lapses, you might not be able to buy another policy if you have a preexisting condition.
If your spouse is covered by your employer’s plan, you’ll have to consider what choices your spouse would have if you switched to Medicare. These may include COBRA or purchasing individual coverage like a Cigna Healthcare IFP plan in the private market or through a government exchange at www.healthcare.gov.
Your situation depends on the size of your spouse’s employer:
As long as your spouse continues working, you’ll be covered through their employer’s plan until you decide to enroll in Medicare.
To ensure you have sufficient health coverage, you should enroll in both Parts A and B when you turn 65. In this case, Medicare pays before the employer’s insurance, which becomes secondary.
What is Medicare?
Learn the basics of Medicare, including its purpose, how much it costs, what it covers and more.
Types of Medicare Plans
Explore the many different Medicare plan options so you can be ready to enroll in the plan that's right for you.
Choosing a Medicare Plan
No matter your needs or budget, Cigna Healthcare offers a wide range of plan options to choose from.
Cigna Healthcare. All rights reserved.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE, are owned by Cigna Intellectual Property, Inc.
To file a marketing complaint, contact Cigna Healthcare at 1-800-668-3813 (TTY 711), Monday – Friday, 7:30 a.m. – 7:30 p.m. CT, or call 1-800-MEDICARE (24 hours a day /7 days a week). Please include the agent/broker’s name if possible.
Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
Y0036_24_1026503_M | Page last updated 09/28/2023.
Medicare Advantage and Medicare Supplement insurance policies provide different types of Medicare coverage. What are the similarities and differences, and which is better for you?
Medicare Advantage combines Medicare Part A and B for comprehensive coverage, all in one plan. It often includes Part D Prescription Drug coverage, too. These are also called Part C plans.
Medicare Supplement, also called Medigap, insurance policies help pay the out-of-pocket expenses not covered by Original Medicare (Part A and B). It is not part of the government’s Medicare program, but provides coverage in addition to it.
Plan Features
|
Medicare Advantage (Part C)
|
Medicare Supplement
|
---|---|---|
Medicare Part A Hospital Coverage
|
Yes
|
No, but provides out-of-pocket expense coverage in addition to it1.
|
Medicare Part B Medical Coverage
|
Yes
|
No, but provides out-of-pocket expense coverage in addition to it1.
|
Medicare Part D Prescription Drug Coverage
|
Usually included
|
No, but you can buy separate coverage.
|
Out-of-pocket expenses covered (deductibles, copays, coinsurance)
|
No
|
Yes—how much coverage you have depends on the policy you choose.
|
Other coverage included (vision, dental, hearing)
|
Yes—most plans include additional coverage.
|
No, but you can buy separate coverage.
|
Provider network
|
Yes—your costs are lower when you visit in-network doctors and hospitals. (Some plans may allow you to see doctors and hospitals outside the network, for a higher cost).
|
No—you can choose any doctor or hospital you’d like that accepts Medicare.
|
Free programs and services
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Often includes no additional cost programs and services not covered by Original Medicare.
|
Often includes no additional cost programs and services.2
|
Offered through
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Private insurers like Cigna HealthcareSM
|
Private insurers like Cigna Healthcare3
|
Works with
|
Part D Prescription Drug coverage, if not included
|
Original Medicare and Part D Prescription Drug coverage
|
Explore Cigna Healthcare Medicare Supplement Insurance or learn more about Cigna Healthcare Medicare Advantage plans.
Cigna Healthcare has Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug Plans.
Whether you choose to apply for a Medicare Advantage plan vs. a Medicare Supplement insurance plan depends on your needs. Here are a few factors to consider when deciding whether Medicare Advantage or Medicare Supplement is better for you:
Learn more about Choosing a Medicare Plan
Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B often with Part D and other types of coverage. Medicare Supplement is additional coverage you can buy if you have Original Medicare Part A and B.
Learn more about Medicare Supplement
During the Annual Enrollment Period, which runs from October 15 to December 7 each year, you are free to reconsider your Medicare coverage. If you decide you want to try a Medicare Supplement plan vs. Medicare Advantage plan, you can make that change during this period.4
Considering Medicare Advantage vs. Medicare Supplement? One is not better than the other. They provide different types of coverage. Finding the right fit for you depends on what kind of Medicare coverage you’re seeking, as well as your health care needs. Review all details of plans when shopping and be open to considering alternatives when your needs change.
What is Medicare?
Learn the basics of Medicare, including its purpose, how much it costs, what it covers and more.
Types of Medicare Plans
Explore the many different Medicare plan options so you can be ready to enroll in the plan that's right for you.
Choosing a Medicare Plan
No matter your needs or budget, Cigna Healthcare offers a wide range of plan options to choose from.
View Medicare Supplement state disclosures, exclusions, and limitations
¹Original Medicare (Part A and B) coverage is required in order to purchase a Medicare Supplement plan.
²These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.
³Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. In Kansas, insured by Cigna Health and Life Insurance Company, Cigna National Health Insurance Company, and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas and Kentucky. In Illinois, Maryland, North Carolina, Ohio, and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In Pennsylvania, insured by Cigna Insurance Company. In Idaho and New Mexico, insured by Cigna Health and Life Insurance Company.
4Medicare Supplement plans may be subject to medical underwriting, and coverage may be denied.
View Kansas disclosures, exclusions, and limitations
Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.
Tennessee Medicare Supplement Policy Forms
Plan A: CHLIC-MS-AA-A-TN; Plan F: CHLIC-MS-AA-F-TN; Plan High Deductible F (HDF): CHLIC-MS-AA-HDF-TN; Plan G: CHLIC-MS-AA-G-TN; and Plan N: CHLIC-MS-AA-N-TN
Cigna Healthcare. All rights reserved.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by Cigna Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
To file a marketing complaint, contact Cigna Healthcare at 1-800-668-3813 (TTY 711), Monday – Friday, 7:30 a.m. – 7:30 p.m. CT, or call 1-800-MEDICARE (24 hours a day /7 days a week). Please include the agent/broker’s name if possible.
Medicare Supplement Policy Disclaimers
Medicare Supplement website content not approved for use in: Oregon.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.
Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by Cigna National Health Insurance Company, Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.
The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.
In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.
Kansas Disclosures, Exclusions and Limitations
Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS
Exclusions and Limitations:
The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:
(1) the Medicare Part B Deductible;
(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;
(3) any services that are not medically necessary as determined by Medicare;
(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;
(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;
(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or
(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.
Y0036_24_1026503_M | Page last updated 03/28/2024
MS-SITE-Compare2022
Get to know the basics of Medicare Supplement Insurance policies, what they cover and don’t cover.
Medicare Supplement Insurance, also known as Medigap, is private health insurance that adds on to Original Medicare (Part A and B). It helps pay about 20%¹ of the Medicare expenses that Original Medicare doesn’t cover.
This short video helps explain what a Medicare Supplement policy covers, and when and how you can use your Cigna HealthcareSM plan. (Length: 00:01:22)
Medicare Supplement Insurance helps cover some costs not paid by Original Medicare Part A and B. These plans help pay copays, coinsurance, and deductibles for your Part A (hospital care) and Part B (medical care), as well as additional out-of-pocket costs for things like hospitalization, doctor’s services, home health care, lab costs, durable medical equipment, and more.
Medicare will pay its share of the Medicare-approved amount for covered health costs. Then, your Medicare Supplement Insurance plan will pay its share of the costs it covers.
There are a wide range of Medicare Supplement plans that differ in coverage and costs, from basic to extensive.
Compare Medicare Supplement plans
Cigna Healthcare offers policies with competitive rates and up to 25% premium discounts*.
Medicare Supplement policies do not include prescription drug coverage or dental coverage. But you can buy those plans separately. Cigna Healthcare2 offers both prescription and dental plans, many with low cost monthly premiums.
Medicare Supplement Insurance works with Original Medicare Parts A and B. If you choose to buy a standalone Part D Prescription Drug plan, Medicare Supplement works with that, too.
Medicare Supplement Insurance is different from Medicare Advantage. You can have either a Medicare Advantage Plan or a Medicare Supplement Plan, but not both at the same time.
If you are age 65 or older and enrolled in Original Medicare Part B, you may be eligible to apply for Medicare Supplement Insurance. You can apply for a Medicare Supplement plan at any time throughout the calendar year, but during your 6-month open enrollment period, you can buy any policy offered in your state and you are guaranteed coverage even if you have pre-existing health conditions.
Medicare Supplement plans are also available to you if you’re younger than age 65 and eligible for Medicare due to disability.
Learn more about Medicare Supplement Enrollment and Eligibility
There are a wide range of Medicare Supplement plans. The different types of plans are named alphabetically, Plan A through Plan N. (Note, that they are not the same as other parts of Medicare, which are also named alphabetically.)
Medicare Supplement plans range from those that offer basic coverage, to those offering a much higher level of coverage. Understanding your health care needs, as well as your financial situation, can help when choosing a Medicare Supplement plan.
Explore your options so you can enroll in the Medicare plan
you deserve.
What is Medicare?
Learn the basics of Medicare, including its purpose, how much it costs, what it covers and more.
Types of Medicare Plans
Explore the many different Medicare plan options so you can be ready to enroll in the plan that's right for you.
Choosing a Medicare Plan
No matter your needs or budget, Cigna Healthcare offers a wide range of plan options to choose from.
View Medicare Supplement state disclosures, exclusions, and limitations
*State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
¹After the Part B Deductible has been met.
²Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. In Kansas, insured by Cigna Health and Life Insurance Company, Cigna National Health Insurance Company, and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas and Kentucky. In Illinois, Maryland, North Carolina, Ohio, and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In Pennsylvania, insured by Cigna Insurance Company. In Idaho and New Mexico, insured by Cigna Health and Life Insurance Company.
View Kansas disclosures, exclusions, and limitations
Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.
Tennessee Medicare Supplement Policy Forms
Plan A: CNHIC-MS-AA-A-TN; Plan F: CNHIC-MS-AA-F-TN; Plan G: CNHIC-MS-AA-G-TN; Plan N: CNHIC-MS-AA-N-TN.
Cigna Healthcare. All rights reserved.
Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (1 (800) 633-4227), 24 hours a day, 365 days a year, TTY 1 (877) 486-2048. Please include the agent/broker’s name if possible.
Medicare Supplement Policy Disclaimers
Medicare Supplement website content not approved for use in: Oregon.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.
Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.
The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.
In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.
Kansas Disclosures, Exclusions and Limitations
Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS
Exclusions and Limitations:
The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:
(1) the Medicare Part B Deductible;
(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;
(3) any services that are not medically necessary as determined by Medicare;
(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;
(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;
(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or
(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Y0036_24_1037312_M | Page last updated 03/28/2024
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Find out how Medicare Part D works, what it costs, and more.
Medicare Part D Prescription Drug plans are part of the government’s Medicare program, but they are offered and managed through approved private insurers, like Cigna HealthcareSM. These plans help lower the cost of prescription drugs that can prevent complications from disease and help keep you healthy.
If you are entitled to Original Medicare Part A and/or enrolled in Medicare Part B, there are 2 ways you can get Part D Prescription Drug coverage.
Part D: Prescription Drug Coverage
Part D plans are part of the government’s Medicare program, but they’re offered and managed through approved private insurers, like Cigna Healthcare. Enrollment in a separate Part D plan is not automatic. You need to select and enroll in a plan.
Our Part D plans come with low copays, large pharmacy network, and extensive drug list.
Advantages of Medicare Part D Prescription Drug plans include:
Disadvantages of Medicare Part D Prescription Drug plans include:
Learn more about Medicare Part D Enrollment and the LEP
A typical Part D plan has 3 phases and works like this:
Medicare requires Part D plans to provide a minimum standard level of coverage, but beyond that plans can differ in level of coverage, drug lists, and monthly premiums.
Part D plans help pay for medications you take regularly to manage chronic conditions, for example, heart disease, high cholesterol, or asthma. It also pays for medications you take for a short period of time, such as antibiotics. There are also some medications covered by your Original Medicare Part B (Medical) plan and not covered by Part D.
Read more about Part B vs. Part D
Costs you pay out-of-pocket for a Part D prescription drug plan include the following:
If you choose a Medicare Advantage Plan that includes drug coverage, your monthly plan premium will include the medical and drug portion of the plan.
Note: In some cases, your premium may be higher if you didn’t sign up for Part D when you first became eligible.
There are no cost breaks for married couples. Medicare requires each spouse to pay separate premiums, deductibles, copays, and coinsurance for prescription drug coverage. Each spouse will reach each level of coverage according to their own drug costs over each calendar year.
Find out how much your Cigna Healthcare Part D premium will be based on your location
There are 4 ways to pay your Medicare Part D Prescription Drug Plan premiums:
Find out how you can pay your Cigna Healthcare Part D premium
Medicare provides assistance, known as Extra Help, in paying for prescription drug costs for those with limited income and resources.
If you qualify, you will receive help paying for any Medicare drug plan’s monthly premium, annual deductible (if applicable), and prescription copays or coinsurance. This Extra Help will count towards your out-of-pocket expenses.
The following factors may affect how you choose a Part D plan:
What is Medicare?
Learn the basics of Medicare, including its purpose, how much it costs, what it covers and more.
Types of Medicare Plans
Explore the many different Medicare plan options so you can be ready to enroll in the plan that's right for you.
Choosing a Medicare Plan
No matter your needs or budget, Cigna Healthcare offers a wide range of plan options to choose from.
¹Most people will pay the standard monthly Medicare Prescription Drug Plan (Part D) premium. However, you may have to pay an extra amount because of your annual income. For 2023, single or married individuals filing separately whose income is $97,000 or above, and couples with an income of $183,000, will pay the extra amount.
If you are impacted, the Social Security Administration (not your Medicare Part D plan) will send you a letter telling you what the amount will be and how to pay it. This extra amount must be paid separately and cannot be paid with your monthly Part D premium.
Cigna Healthcare. All rights reserved.
Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (1 (800) 633-4227), 24 hours a day, 365 days a year, TTY 1 (877) 486-2048. Please include the agent/broker’s name if possible.
Medicare Supplement Policy Disclaimers
Medicare Supplement website content not approved for use in: Oregon.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.
Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.
The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.
In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.
Kansas Disclosures, Exclusions and Limitations
Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS
Exclusions and Limitations:
The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:
(1) the Medicare Part B Deductible;
(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;
(3) any services that are not medically necessary as determined by Medicare;
(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;
(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;
(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or
(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Y0036_24_1037312_M | Page last updated 03/28/2024
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Medicare Part C plans offer the benefits of Original Medicare in combination with prescription drug coverage and extra programs. Learn more about Part C coverage.
Medicare Advantage plans (Part C) provide all of your Part A (hospital) and Part B (medical) coverage and must cover all medically necessary services. Many plans also offer prescription drug coverage and additional programs not covered by Original Medicare. To enroll in a Medicare Advantage Plan, you must already have Original Medicare Part A and B coverage.
Part C: Medicare Advantage Plan
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These plans are part of the government’s Medicare program, but are offered and managed through private insurers, like Cigna Healthcare. Medicare Advantage Plans may include plan extras not found in Original Medicare. You must be enrolled in Medicare Part A and Part B to join. |
Medicare Advantage plans do not replace Medicare and are not a Medicare Supplement plan, either. Part C plans provide an alternative to Original Medicare (Part A [hospital] and Part B [medical]) and can offer additional coverage, including prescription drug coverage and extra programs and services.
Cigna Healthcare offers plans with low or no monthly premiums, and often with dental and vision, too.
Pros of Medicare Advantage Plans
With Medicare Advantage plans, you can get personalized, coordinated medical care at a lower cost, depending on your plan. There are many advantages of enrolling in a Medicare Advantage plan. You can get:
Cons of Medicare Advantage Plans
The following are some disadvantages of Medicare Advantage plans:
There are various kinds of Medicare Advantage plans, such as HMO, PPO, and Private Fee-for-Service plans. HMOs and PPOs each have certain characteristics, whether they are part of a Medicare plan or part of a regular health plan.
For example, an HMO plan typically comes with lower costs but requires you to see providers within a network and get referrals before you see a specialist. A PPO plan typically costs more, but offers more flexible options for seeing providers and may not require any referrals to see specialists.
Depending on your Medicare Advantage plan, the costs you pay out-of-pocket can vary:
To help control your costs, make sure you understand the terms of your plan and the out-of-pocket costs you may be required to pay.
It’s important to compare the benefits between your current coverage and the different types of Medicare Advantage plans (Part C). Be sure that you understand the additional benefits and any benefits (or freedoms) that you may lose.
You may want to consider:
If you want to enroll in a Medicare Advantage plan, you must:
Want more information about enrollment? Visit Medicare Part C Eligibility and Enrollment Information
There are a few times during the year that you may be eligible to change your Medicare Advantage (MA) plan:
Annual Enrollment Periods
The Medicare Annual Enrollment Period (AEP) occurs every year from October 15-December 7. Anyone who is eligible for Medicare can change plans during this time. You can make as many changes to your plan as you’d like before December 7, and your new coverage begins January 1.
Medicare Advantage Open Enrollment occurs every year from January 1-March 31. This period is for Medicare Advantage customers only and is your opportunity to:
You can only make one change to your Medicare Advantage plan during this period. Your new coverage will begin the first of the month after you make the switch.
Special Enrollment Periods
If you need to change your MA plan outside of the standard enrollment periods described above, you may be eligible for a Special Enrollment Period (SEP) for these qualifying events:
CMS may also establish SEPs for certain “exceptional conditions” such as:
To confirm if you’re eligible for a SEP, contact us.
Cigna Healthcare. All rights reserved.
Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (1 (800) 633-4227), 24 hours a day, 365 days a year, TTY 1 (877) 486-2048. Please include the agent/broker’s name if possible.
Medicare Supplement Policy Disclaimers
Medicare Supplement website content not approved for use in: Oregon.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.
Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.
The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.
In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.
Kansas Disclosures, Exclusions and Limitations
Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS
Exclusions and Limitations:
The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:
(1) the Medicare Part B Deductible;
(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;
(3) any services that are not medically necessary as determined by Medicare;
(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;
(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;
(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or
(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Y0036_24_1037312_M | Page last updated 03/28/2024
MS-SITE-AllHome2022
Original Medicare has 2 parts: Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Learn more about the benefits and costs of Original Medicare.
Original Medicare is a federal health care program made up of both Medicare Part A (hospital insurance) and Part B (medical insurance). It’s a fee-for-service plan, which means you can go to any doctor, hospital, or other facility that’s enrolled in and accepts Medicare, and is taking new patients.
Medicare was set up to help people 65 and older. In 1972, Medicare became available to people with disabilities and End-Stage Renal Disease/kidney failure.
Original Medicare
Part A
Hospital Insurance
You can enroll in Medicare Part A once you turn 65. If you’re already collecting Social Security disability benefits, you’ll be automatically enrolled in Part A.
Part B
Medical Insurance
Medicare pays 80 percent of approved charges and you pay about 20 percent.
Part B is optional because you have to pay a monthly premium and meet a deductible before Medicare will pay benefits.
Cigna Healthcare offers plans with low or no monthly premiums, and often with dental and vision, too.
Medicare Part A and Part B does not cover:
Part A is the hospital services part of Medicare. This benefit covers inpatient care, hospital stays, skilled nursing facility care, hospice care, and medically needed home health care services.
Part B is the medical services part of Medicare. It covers many of the medically necessary services not covered in Part A, such as outpatient and preventive services. This involves things like X-rays, bloodwork, doctor’s visits, and outpatient care. It will also cover other medical items such as diabetic test strips, nebulizers, and wheelchairs.
Original Medicare (Part A and Part B) only covers prescriptions in a couple of instances. This can be medications you get as part of inpatient hospital care, as well as injections and infusions you may get in a doctor’s office.
Find out more about Part B vs. Part D drug coverage
You’ll need to enroll in a Medicare Part D Prescription Drug Plan to be covered for outpatient prescription medications.
Learn more about Medicare Part D Prescription Drug Plans
With both Medicare Part A and B, you have to pay annual deductibles, coinsurance, and copays. For certain medical procedures, you may have additional out-of-pocket costs to pay. You can buy a Medicare Supplement Insurance plan (Medigap), which can help pay some of these costs.
With Medicare Part A, you may have to pay copays and deductibles for hospital stays, but may not have to pay a monthly premium. Copays and deductibles apply to hospital benefit periods, which start when you enter a hospital or skilled nursing facility, and end 60 days after you’ve left the facility (as long as you have not received skilled care in any other facility during those 60 days). It’s important to note that:
For many people, Part A comes without a monthly premium. You may have no monthly premium if you paid a certain amount toward Medicare taxes while working. In this case, you are often automatically enrolled in premium-free Part A.
If you don’t automatically get premium-free Part A, you may be able to buy it if you (or your spouse/partner):
With Medicare Part B, you pay a standard monthly premium that’s based on your income. In some cases, your monthly premium may be higher if you didn’t sign up for Part B when you became eligible.
You may also need to meet an annual deductible before Medicare kicks in and starts paying. Once you’ve met your deductible, you will pay a 20 percent copay for approved Medicare Part B services.
You can always buy a Medicare Supplement Plan that pays your Part B deductible, as well as other out-of-pocket costs such as copays and coinsurance.
To enroll in Original Medicare (Part A and Part B), you must be 65 and don’t necessarily have to be retired. Initial enrollment period packages are sent to people 3 months before they turn 65 or during their 25th month of disability benefits.
If you’ve received Social Security disability benefits for 24 months, you are automatically enrolled in Part A and Part B.
Medicare gives financial aid for people who have limited income and support. If you feel you may qualify, you can learn about eligibility requirements by either:
What is Medicare?
Learn the basics of Medicare, including its purpose, how much it costs, what it covers and more.
Types of Medicare Plans
Explore the many different Medicare plan options so you can be ready to enroll in the plan that's right for you.
Choosing a Medicare Plan
No matter your needs or budget, Cigna Healthcare offers a wide range of plan options to choose from.
Cigna Healthcare. All rights reserved.
Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (1 (800) 633-4227), 24 hours a day, 365 days a year, TTY 1 (877) 486-2048. Please include the agent/broker’s name if possible.
Medicare Supplement Policy Disclaimers
Medicare Supplement website content not approved for use in: Oregon.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.
Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.
The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.
In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.
Kansas Disclosures, Exclusions and Limitations
Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS
Exclusions and Limitations:
The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:
(1) the Medicare Part B Deductible;
(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;
(3) any services that are not medically necessary as determined by Medicare;
(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;
(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;
(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or
(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.
Y0036_24_1037312_M | Page last updated 03/28/2024
MS-SITE-AllHome2022