First Steps

The following general information is being provided to assist you in selecting the best possible benefit plan for you or your loved one. CIGNA offers prescription drug coverage in all states. In the state of Arizona, an integrated medical and prescription drug product is available in certain counties.

Use this checklist to make sure you get the information you need to make the decision that will best meet your needs:

Pharmacy coverage considerations

• Make a list of all your current medications.
• Visit the plan's formulary (drug list) to compare the medications and costs that are covered under each plan.
• Determine if your pharmacy is part of the plan's network.
• Compare the costs associated with the plans available. There are several costs to consider:
• Monthly premium amount
• Monthly costs for your medications
• What you pay after your yearly drug costs reach the coverage gap
• Determine if the plan you are considering offers supplemental gap coverage beyond what is mandated by HealthCare Reform.
• What you pay after yearly costs reach the out-of-pocket limit
• Determine if the plan has a deductible where you must pay a certain amount before the plan pays for services

Medical coverage considerations

• Think about your current health and what your coverage needs are.
• How important is it to have predictable medical expenses?
• Do you need a low or high level of financial protection from unexpected medical costs?
• Compare the costs associated with each plan. There are several costs to consider:
• Monthly premium amount
• Copays when you visit the doctor
• What you pay for hospital care and any coverage limits
• What you pay for other medical care such as skilled nursing, lab and X-ray services
• If the plan has deductibles that you must meet before the plan pays for services
• What your coverage for routine screenings will be
• Does the plan offer extra programs to add to your savings?
• Determine if dental coverage and vision and hearing coverage is offered
• Determine if the plan offers discounts or incentives on fitness and wellness programs



Compare plans and enroll in a CIGNA Medicare plan