Cigna Medicare: Frequently Asked Questions
Welcome to Cigna's Medicare FAQs. Have questions about Medicare, Medicare coverage, enrollment or the impact of healthcare reform on Medicare? Cigna provides the answers to common questions that you may have about Medicare.
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)
FAQs related to PDP
What is Medicare Prescription Drug Coverage (Medicare Part D)?
Medicare prescription drug coverage (Part D) is insurance provided by private companies that provide voluntary outpatient prescription drug coverage for people on Medicare. Learn more
How do I know if I am eligible for Medicare Part D coverage?
Anyone who lives in the geographic service area and is entitled to Medicare Part A and/or enrolled in Medicare Part B is entitled to Medicare prescription drug coverage, regardless of income. Learn more
What are the out-of-pocket costs for standalone Medicare prescription drug coverage?
You pay a monthly premium to your plan. You also pay part of your pharmacy drug costs and Medicare (your plan) pays part of the pharmacy drug costs. Learn more
How will healthcare reform changes affect Medicare coverage?
You should already be seeing some benefits of the reform, including not having to pay for preventive services through Medicare and getting help paying for prescription drugs once you hit the "doughnut hole" in Medicare Part D coverage. Learn more
How can I find out what drugs are covered under a Prescription Drug plan?
You can review our formulary (or drug list), which lists all drugs that our plans cover. Each PDP plan must follow the rules set forth by Medicare in covering Part D drugs. In addition, Medicare must approve our drug list each year and as changes are made. Learn more
FAQs related to MAPD-Arizona
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 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
Contact Information for Medicare
1-800-MEDICARE (1-800-633-4227) (TTY/TDD users call 1-877-486-2048) 24 hours a day,
7 days a week. Or visit www.medicare.gov
Best Available Evidence
If you are eligible for Medicaid and you believe our information about your Medicaid eligibility is incorrect, you may be able to submit evidence of your current Medicaid status.
Please call Cigna Medicare Rx at 1-800-735-1459 (TTY/TDD 1-800-322-1451) 8 am to 8 pm local time, 7 days a week.
In Arizona: Call Customer Service at 1-800-627-7534, 7 days a week, 8 am to 8 pm, Arizona time (From February 15 - September 30, 2013: 8 am to 8 pm Monday - Friday). TTY users should call 1-800-987-8816.
For more information, visit the CMS website.