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. For faster service, call us today to learn more. No obligation to enroll.
Moving from an employer or individual health plan to a Medicare plan doesn’t have to be complicated, especially if you stay with the same health care company.
If your current health plan is from Cigna Healthcare®, there are several things you can look forward to with one of our Medicare plans, including:
 |
The same network Since our Medicare plans are part of the same Cigna Healthcare network, you may be able to keep your current doctors and care providers. |
 |
The same coverage With our Medicare plans, you can get the same or similar coverage and may also get even more benefits and perks. |
 |
The same company you know and trust Why is change a good thing? If you’re already happy with your care and coverage, transitioning to a Cigna Healthcare plan is easy. |
But even if you don’t currently have a Cigna Healthcare plan, we’re here to make Medicare easy. Here are a few things to keep in mind when transitioning your plans.
Learn about your Medicare coverage options
There’s a lot to learn about Medicare before enrolling in a new plan. And the more you know, the more confident you’ll feel in your decision when ready.
Overall, Medicare consists of four main parts:
To get a more in-depth understanding of what Medicare is and your coverage options, check out our What is Medicare article. This article will help you understand your coverage options so you can find the plan that will fit you best.
Find out how to seamlessly transition to a Medicare plan. (Length: 00:01:31)
Timing matters with Medicare—especially when you’re transitioning off an employer or individual health plan.
There are two main enrollment periods you’ll want to keep track of once you’re eligible for Medicare:
This is the seven-month time frame around your 65th birthday (the three months before, the month of and the three months after you turn 65) when you can first enroll in Medicare.
You can apply for this enrollment period after a qualifying life event—like you move out of state or lose health coverage. If you’re over 65 and still covered by an employer’s plan, you can file for an SEP during the eight months after you leave your job or when your employer coverage ends.
If you plan on working past 65 and staying on your employer’s plan, you’ll still need to make some decisions about Medicare. Check out this article to learn more about what to do if you don’t plan on retiring at 65.
Avoid penalties by enrolling at the right time
Whether you’re enrolling in a Medicare plan during your IEP or an SEP, if you don’t enroll in Medicare Part B when eligible, you may face a penalty.
Knowing when to enroll in Part B will depend on your circumstances. Our Medicare advisors can help you determine when to enroll based on your unique situation. Give us a call at 1 (888) 583-3346 (TTY 711) to ensure you enroll at the right time.
Ask for help when making the transition
We’re here to help you take the guesswork out of Medicare. If you’re unsure which Medicare plan is right for you or have questions about when to transition, we’re only a quick phone call away. Reach out to our advisors at 1 (888) 583-3346 (TTY 711) and get the assistance you need to make the right choice for your needs.
What is Medicare?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
Social Security and Medicare are federal government programs that provide financial security and health care to those over 65, retirees, disabled individuals and the families of those eligible.
Understanding the differences between these programs can help you learn more about the benefits available to you.
As you navigate Medicare and Social Security benefits, you can count on Cigna Healthcare® to help you explore your options. Our goal is to provide you with the information you need to make the best decisions for your future.
Social Security provides financial support through several types of benefits:
Retirement Benefits
Social Security retirement benefits are monthly payments from the government to people who have stopped working. You can claim these benefits as early as age 62 but at a reduced rate. Getting full retirement-age benefits will depend on the year you were born.
If you were born:
Keep in mind that choosing to delay retirement beyond your full retirement age may increase your benefit amount.
Disability Benefits
You may qualify for financial benefits from Social Security if you become disabled before reaching full retirement age. You’ll only be eligible for these benefits if you:
Family Benefits
Your spouse, minor children and disabled adult children under age 22 may receive benefits if you are eligible for retirement or disability benefits. Each family member may qualify for up to 50% of your benefits.
Survivors Benefits
If you pass away, your spouse and children may receive Social Security benefits. Divorced spouses may also qualify for these benefits.
Medicare complements Social Security benefits by covering medical expenses for those age 65 or older or some younger people with certain disabilities or illnesses.
There are several options for Medicare coverage, including:
Parts A and B combined are also referred to as Original Medicare, which is one of the main ways to get Medicare. But Original Medicare doesn’t cover everything, so it’s wise to explore additional plan options, like a Medicare Advantage plan, Medicare Supplement plan or prescription drug coverage.
Your Social Security earnings make you eligible for Social Security benefits and Medicare. If you get retirement or disability benefits from Social Security, you don’t need to sign up for Medicare. At least four months before you turn 65, you will automatically be enrolled in Original Medicare (Parts A and B). A welcome package with your Medicare card will be mailed to you three months before your coverage starts. However, you will still need to decide if you want to add drug coverage or other options.
No matter which option you choose, your Medicare premiums will most likely be deducted from your Social Security payments, simplifying the process and ensuring continuous coverage. This helps ensure you have both financial and health care support as you age or if you become disabled.
Learn More About Your Options
To ensure you’re accessing the right program for your needs, check out the following resources to learn more:
Whether you’re approaching retirement, planning for the future, or helping a loved one, we’re here to guide you through your benefit options. Feel free to reach out to us at 1 (866) 635-5630 (TTY 711). Together, we can ensure you have all the information you need to take full advantage of the benefits available to you.
What is Medicare?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
Each year, Medicare changes to keep pace with our ever-evolving world. However, changes to Medicare can mean changes to your coverage, so it’s important to stay informed about the latest updates.
To help, we’re here to walk you through the recent Medicare Part D (prescription drug coverage) changes that happened under the Inflation Reduction Act. This act will make prescription drugs more affordable. Here’s a quick rundown on what to expect.
Things often change in Medicare, but Cigna Healthcare’s® commitment to you remains the same. Our licensed Benefits Advisors are here to help you navigate Medicare changes so you can explore your options and plan ahead. Call 1 (866) 627-3098 (TTY 711) 7 days a week, 8 a.m. to 8 p.m., Local Time for more information.
What is Medicare?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
When it comes to protecting your health and finances after age 65, there are several insurance options available. And while it may be confusing to know which option is best for you, Cigna Healthcare® is here to help guide you along the way.
The most well-known option is Medicare, a federal health plan that provides health insurance coverage to those age 65 and older or younger people with certain disabilities or illnesses.
Medicare offers several different coverage options, including Original Medicare (Parts A and B), Medicare Advantage plans (Part C), Medicare Supplement plans and Prescription Drug plans (Part D). Each provides different types of health coverage, financial protection and benefits. No matter which type of Medicare coverage you choose, you may still want to consider extra protection to cover additional areas of your life and future. This is where Supplemental Health and Life Insurance can help.
Supplemental Health and Life Insurance provides added financial security that works in addition to Medicare. These products do not replace your Medicare coverage but can help you cover unexpected expenses that Medicare may not cover.
Supplemental Health and Life Insurance is available to those who are eligible for Medicare and offers options like:
Cigna Healthcare is here to help you find the right coverage for your needs so you can enjoy more financial protection and peace of mind. You can count on our team to answer your questions and get you enrolled in the coverage that fits you best. Call us at 1 (877) 411-7590 (TTY 711) 7 days a week, 8 a.m. to 8 p.m., Local Time to learn more.
For more information about your Supplemental Health and Life Insurance options, visit https://www.cigna.com/individuals-families/shop-plans/plans-through-employer/supplemental-health-plans.
What is Medicare?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
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 $518 each month, depending on how long you or your spouse worked and paid Medicare taxes.
|
|
Annual Deductible
|
$1,676 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?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
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 or view your ANOC.
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:
October 15 – December 7.
January 1 – March 31.
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?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
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.
If retirement isn’t in your plans just yet, here are a few things to keep in mind. (Length: 00:02:35)
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:
Large Group Employer (20+ employees)
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.
Small Group Employer (<20 employees)
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.
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.
When you do decide to enroll in Medicare, you could opt for a Medicare Advantage plan. Offered by private insurance companies, like Cigna Healthcare®, 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:
20+ Employees
As long as your spouse continues working, you’ll be covered through their employer’s plan until you decide to enroll in Medicare.
<20 Employees
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?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
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
|
Often includes no additional cost programs and services not covered by Original Medicare.
|
Often includes no additional cost programs and services.2
|
|
Offered through
|
Private insurers like Cigna Healthcare®
|
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?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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
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.
While Medicare covers many types of medical bills, there are still additional costs that you may be left to pay on your own. Medicare covers around 80% of health care costs. For large medical bills, this can leave customers with a lot to pay on their own. Medicare Supplement Insurance can help pay for some costs that Original Medicare does not cover.
Insured 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.
This short video helps explain what a Medicare Supplement policy covers, and when and how you can use your Cigna Healthcare® plan. (Length: 00:01:22)
Medicare Supplement Insurance helps cover some costs not paid by Original Medicare Part A and B, including:
Medigap can also help pay for additional out-of-pocket costs, such as:
Original 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:
But you can buy those plans separately. Cigna Healthcare2 offers both prescription and dental plans, many with low cost monthly premiums.
To purchase a Medigap policy, you must already be enrolled in both Original Medicare Part A and Part B. Medicare Supplement Insurance provides additional coverage to your Original Medicare benefits.
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 A and Part B, you may be eligible to apply for Medicare Supplement Insurance. Medicare Supplement plans are also available to you if you’re younger than age 65 and eligible for Medicare due to disability.**
You can apply for a Medicare Supplement plan at any time throughout the calendar year, but during your 6-month open enrollment period,³ you can buy any policy offered in your state and you are guaranteed coverage even if you have pre-existing health conditions.
Learn more about Medicare Supplement Enrollment and Eligibility
There are up to 10 Medicare Supplement plans offered in each state. The different types of Medigap 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.)
The types of plans that are offered may differ depending on which state you live in, but no matter where you live, each policy is standardized and offers the same basic benefits.
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.
When you purchase a Medigap policy, you’ll pay your insurance company a monthly premium. The cost of your Medicare Supplement premium will depend on which health insurance company you choose as well as which type of Medigap plan you select.
However, remember that core Medicare Supplement Plan benefits are the same no matter which insurer you choose (for example, Plan G with Company A is exactly the same as Plan G with Company B). Be sure to shop and compare Medicare Supplement Insurance options to find the best fit for your budget.
Looking for more information on the different types of Medicare Supplement Insurance? Compare Medicare Supplement plans
What is Medicare?
Understand what Medicare is, how it works and what you need to know to find the plan that's right for you.
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.
**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.
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.
