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Home Medicare Medicare Eligibility and EnrollmentMedicare Disenrollment

Medicare Disenrollment 

Learn about disenrollment and Medicare disenrollment periods.

What is Disenrollment?

“Disenrollment” means ending or canceling your membership in a Cigna plan. Disenrollment can be voluntary (your own choice) or involuntary (not your own choice).

If you leave a Cigna plan, you may have the choice of joining a different Medicare Prescription Drug Plan or Medicare Health Plan (such as a Medicare HMO or PPO) with prescription drug coverage, if any of these types of plans are in your area and taking new members.

If you have any questions about how or when to disenroll or change your Cigna plan, please contact us.

Voluntary Disenrollment

You can disenroll from Cigna Medicare during the Annual Enrollment Period (AEP) from October 15 through December 7 or during a Special Enrollment Period (SEP). If you are in a Medicare Advantage plan, you may also disenroll during the Open Enrollment Period (OEP) from January through March.

Examples of a SEP include:

  • You have moved outside the Cigna service area
  • You are eligible for Medicare Part A and Part B and you get support from Medicaid
  • You can get Extra Help with your Medicare prescription drug costs
  • You start care in a nursing home or long-term care facility
  • You join the Program of All-inclusive Care for Elderly (PACE)
  • You meet other special conditions from the Centers for Medicare & Medicaid Services

During an SEP, you may stop your membership in a Prescription Drug Plan (PDP) offered by Cigna or change to a different Part D plan.

Cancelling Your Cigna Plan

You may disenroll by:

  • Enrolling in another prescription drug plan (during a valid enrollment period)
  • Mailing a signed written notice to:

For Medicare Advantage Plans
PO Box 20002
Nashville, TN 37202

For Medicare Prescription Drug Plans
PO Box 269005
Westin, FL 33326-9927

  • Faxing a signed written notice to:

For Medicare Advantage Plans:

For Medicare Prescription Drug Plans:

Note: Your disenrollment ask must be signed and dated for it to be reviewed.

  • Reaching out to Cigna 's employer group/union sponsor, where applicable
  • Calling 1 (800) MEDICARE 24 hours a day, 7 days a week. TTY/TDD users call 24 hours a day, 7 days a week.

Disenrollment Timing

We will send you a letter that tells you when your membership will end. This is your disenrollment date, which is the day you officially leave Cigna. It may take time before your membership ends and your new Medicare coverage goes into effect. While you are waiting for your membership to end, you are still a member of the Cigna plan. You should keep on using Cigna benefits until your membership ends.

If you want to talk to someone who can help you decide if this is right for you, call your State Health Insurance Assistance Program.

What if Cigna leaves the Medicare program or the area where I live?

If we leave the Medicare program or change our service area so that it no longer includes the area where you live, we will give you written notice of the effective date of termination and include a description of different ways to get benefits under the Medicare program.

All of the benefits and rules described in the Evidence of Coverage will continue until your membership ends. While you are waiting for your membership to end, you are still a member of the Cigna plan and must keep getting your prescription drugs through Cigna. You should keep using the Cigna network pharmacies to get your prescription drugs filled until your membership in our plan ends. Often your prescription drugs are only covered if they are filled at a network pharmacy.

Cigna HealthCare of Arizona and Connecticut General Life Insurance Company (CGLIC) have contracts with the Centers for Medicare & Medicaid Services (CMS), the government agency that runs the Medicare Program. These contracts renew each year. At the end of each year, the contract is reviewed, and Cigna HealthCare of Arizona, CGLIC, or CMS can decide to end it. You will get 90 days advance notice if this happens. It is also possible for our contract to end at some other time, too. If the contract is going to end, we will generally tell you 90 days ahead of time. Your advance notice may be as little as 30 days, or even fewer days, if CMS must end our contract in the middle of the year.

Cigna HealthCare of Arizona has contracted with CMS since 1986 and CGLIC has contracted with CMS since 2006.

Involuntary Disenrollment

We cannot ask you to leave the plan because of your health. No member of any Medicare Prescription Drug Plan can be asked to leave the plan for any health-related reasons. If you ever feel that you are being asked to leave a Cigna  plan because of your health, you should call 1 (800) MEDICARE [1 (800) 633-4227]. TTY users should call . You may call 24 hours a day, 7 days a week.

We can ask you to leave the plan under certain special conditions. If any of these situations happen, we must end your membership in a Cigna plan:

  • If you are enrolled in a Cigna PDP plan and you move out of our geographic area or live outside the plan’s service area for more than 12 months at a time.
  • If you are enrolled in a Medicare Advantage plan and you are away from our service area for more than 6 months.
    • If you move or take a long trip, you need to call Customer Service to find out if the place you are moving or traveling to is in our plan’s area.
  • If you move out of our service area.
  • If you are incarcerated (go to prison).
  • If you do not stay continuously enrolled in Medicare Part A or Medicare Part B (or both).
  • If you lie about or withhold information about other insurance you have that provides prescription drug coverage.
  • If you intentionally give us incorrect information when you are enrolling in our plan and that information affects your eligibility for our plan.
  • If you get prescription drugs through changed or falsified prescriptions. Altered or falsified prescriptions are considered a felony in the State of Arizona and other states. Submission of altered or falsified prescriptions to Cigna will result in Cigna HealthCare contacting local law enforcement. Cigna HealthCare will prosecute to the fullest extent of the law and submit an Involuntary Disenrollment request to CMS. If you have a question or concern regarding a prescribed medication, please address your concerns with the prescribing provider.
  • If you let someone else use your membership card to get prescription drugs or medical care.
    • If we end your membership because of this reason, Medicare may have your case investigated by the Inspector General.
  • If you are required to pay the extra Part D amount because of your income and you do not pay it, Medicare will disenroll you from our plan and you will lose prescription drug coverage.

If we end your membership in our plan, we must tell you our reasons in writing for ending your membership. We must also explain how you can make a complaint about our decision to end your membership.

Please reference your Evidence of Coverage for more information about this process and your options.

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Medicare Advantage and Medicare Part D Policy Disclaimers

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. Cigna contracts 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 Cigna depends on contract renewal.

To file a marketing complaint, contact Cigna or call 1-800-MEDICARE ( ), 24 hours a day, 365 days a year, TTY . Please include the agent/broker 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


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 to another website, which may be a non-Cigna website.

Y0036_23_788405_M | Page last updated 04/06/2023.