Cigna Medicare Advantage Plan FAQ's

A Medicare Advantage Prescription Drug Plan is an additional healthcare plan which provides both medical and prescription drug coverage to those eligible for Medicare Part A and Part B. When you join a Medicare Advantage Plan from a private insurer such as Cigna, your Medicare services become covered through your Medicare Advantage Plan, instead of your original Medicare plan.

Have questions about Medicare Advantage Prescription Drug Plans, how to enroll in a Medicare Advantage Plan and what types of coverage they offer? Cigna provides the answers to common questions that you may have about Medicare Advantage Plans.

What is Medicare?

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

 

The different parts of Medicare help cover specific services:

  • Medicare Part A (Hospital Insurance)
  • Medicare Part B (Medical Insurance)
  • Medicare Part C (Medicare Advantage Plans)
  • Medicare Part D (Prescription Coverage Plans)
When am I eligible for Medicare?

You're eligible for Medicare when:

  • You're 65 or older;
  • You or your spouse worked for at least 10 years in Medicare-covered employment;
  • You've been a U.S. citizen or legal resident for at least five consecutive years; and/or
  • You are younger than 65, but qualify for Medicare due to a disability or End-Stage Renal disease (ESRD)
What are Medicare Advantage Prescription Drug Plans?

A Medicare Advantage Prescription Drug (MAPD) plan is a benefits package that provides both medical and Part D pharmacy coverage for beneficiaries. Learn more

How do I enroll in a Medicare Advantage Prescription Drug Plan?

In order to enroll in a Medicare Advantage Prescription Drug, (MAPD) plan, you must be entitled to Medicare Part A, and enrolled in Medicare Part B and live in the service area. Learn more

What are the out-of-pocket costs on a Medicare Advantage Plan?

When you're a member of a Medicare Advantage plan, you'll have to pay certain costs for your care. For example, the plan you select may have a monthly premium. You'll also be responsible for cost-sharing (copays or coinsurance) on medical services such as doctor office visits and prescription drugs. Learn more

How can I find out what drugs are covered under a Medicare Advantage Prescription Drug Plan?

MAPD plans use a formulary, which is a list of covered drugs provided by the plan. To find out if your drugs are covered, call the plan and ask for a copy of the drug list. Learn more

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