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Eligibility & Enrollment
Medicare Advantage
(Part C) Eligibility and Enrollment
Find out if you can join Medicare Advantage (Part C). You can also learn how to sign up.
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Can I join a Medicare Advantage plan?
Medicare Advantage Plans (Part C) is both Part A and Part B coverage (also known as Original Medicare).1 This can include dental, vision, and prescription drug coverage, as well as no-cost extras.
If you want to enroll, you must:
- Be eligible for Medicare
- Be enrolled in both Medicare Part A and Part B (you can check this by referring to your red, white, and blue Medicare card)
- Live within the plan’s service area (which is based on the county you live in–not the state)
Once you are enrolled, the private company supporting your Medicare plan (like Cigna HealthcareSM) will set up your benefits. You do not lose your Original Medicare.
When can I sign up?
When can I switch Medicare Advantage plans?
With a Medicare Advantage (MA) plan, you can switch plans during the following periods, which happen every year:
- Annual Enrollment Period (AEP): From October 15-December 7, you can leave your MA plan and switch to Original Medicare.
- Medicare Advantage Open Enrollment: From January 1-March 31, you can switch to another Medicare Advantage plan—with or without drug coverage—or switch back to Original Medicare Part A and B. You can add a Part D drug plan, too, if you need one. You can only make one change to your Medicare Advantage plan during this period. Your new coverage will begin the first of the month after you make the switch.
If you need to change your Medicare Advantage plan outside of these standard periods, you may be eligible for a Special Enrollment Period (SEP) if you have a qualifying event like moving outside your plan's coverage area. Depending on the event, you'll have 30-60 days to change your plan. To confirm if you're eligible for a SEP, contact us.
How do I enroll in Medicare Advantage (Part C)?
You can enroll online, call us, or even fax or mail us. Be sure to review our Enrollment Disclaimers before you sign up.
Enroll Online
Finding the right plan is easy with Cigna Healthcare online enrollment. You can compare and choose one that fits your needs.
Compare plans and enroll online
Medicare beneficiaries may also enroll in Cigna Healthcare Medicare Plans through the Centers for Medicare & Medicaid (CMS) Medicare Online Enrollment Center.
Enroll by Phone
You can enroll in a Medicare Advantage plan by calling us toll-free and talking with one of our licensed health agents.
Medicare Advantage (Health Plans)
TTY toll-free 711
7 days a week, 8 am - 8 pm
You can use our chat messenger on weekends from April 1 - September 30.
Enroll by Mail or Fax
Using our enrollment tool, enter your ZIP code and select the plan you’re interested in. Once you’ve selected your plan, find the Enrollment Form for that plan under “Plan Documents.” Print and complete the form. Mail or fax your completed and signed forms to:
Medicare Advantage Plans (Part C) (Health Plans) - All Locations EXCEPT Arizona
Member Administrative Services
Cigna Healthcare
PO Box 281617
Nashville, TN 37228
Fax: 1 (877) 818-8163
Medicare Advantage (Health Plans) - ARIZONA ONLY
Cigna Healthcare
Attn: Enrollment
PO Box 1002
Nashville, TN 37202
Fax: 1 (855) 531-9754
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1Not all Medicare Advantage Plans include Part D prescription coverage.
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Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided by or through operating subsidiaries of Health Care Service Corporation, a Mutual Legal Reserve Company and Cigna Health & Life Insurance Company, a subsidiary of The Cigna Group. The Cigna names, logos and marks are owned by Cigna Intellectual Property, Inc. and used under license. Cigna Healthcare is contracted with Medicare for PDP plans, HMO and PPO plans in select states, and with select State Medicaid programs. Enrollment in Cigna Healthcare depends on contract renewal. © Copyright 2025 Health Care Service Corporation. All Rights Reserved.
To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (
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 American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company, Loyal American Life Insurance Company or Medco Containment 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, Rhode Island, 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
Medicare Supplement Policy Forms: Plan A: CIC-MS-AA-A-KS, CIC-MS-AO-A-KS; Plan F: CIC-MS-AA-F-KS, CIC-MS-AO-F-KS; Plan G: CIC-MS-AA-G-KS, CIC-MS-AO-G-KS; Plan HDG: CIC-MS-AA-HDG-KS, CIC-MS-AO-HDG-KS; Plan N: CIC-MS-AA-N-KS, CIC-MS-AO-N-KS
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.