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Medicare Advantage (Part C) Eligibility and Enrollment

Find out if you can join Cigna Medicare Advantage (Part C). You can also learn how to sign up.

Shop and compare Medicare Advantage plans now

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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)
  • Not have end-stage renal disease (ESRD)
  • 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) will set up your benefits. You do not lose your Original Medicare.

When can I sign up?

If you are eligible for Medicare Advantage, you can enroll during the Annual Enrollment Period (AEP). This is from October 15 - December 7, each year.

When can I switch plans?

With a Medicare Advantage Plan, you can switch:

  • To Original Medicare Part A and leave your plan. You can switch from January 1 - March 31.
  • During the next Annual Enrollment Period (AEP), if you wish to return to your Original Medicare Part A and Part B coverage. This is October 15 - December 7.

Special Election Periods (SEPs)

You can make changes to your Medicare Advantage plan when certain events happen in your life such as moving, losing a different health plan, or if you need Extra Help. These chances to make changes are called Special Enrollment Periods (SEPs).

Contact us to learn more about SEPs

Exceptions

You may qualify for an exception to the open enrollment window. Some include:

  • You are a newly eligible for Medicare, such as newly turning 65.
  • You are eligible for both Medicare and Medicaid which lets you enroll at any time during the year.
  • You are eligible and have lost your prior prescription drug coverage which is your "creditable coverage.”
  • You have entered a long-term care facility.

Contact us to learn more about Exceptions

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How do I enroll?

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 online enrollment. You can compare and choose one that fits your needs.

Compare plans and enroll online

Medicare beneficiaries may also enroll in Cigna Medicare Plans through the Centers for Medicare & Medicaid (CMS) Medicare Online Enrollment Center.

Enroll by Phone

You can enroll in a Cigna Medicare Advantage plan by calling us toll-free and talking with one of our licensed health agents.

Medicare Advantage (Health Plans)

1 (855) 984-1401
TTY toll-free 711
7 days a week, 8 am - 8 pm

You can use our chat messenger on weekends from April 1 to 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
PO Box 20012
Nashville, TN 37202-9919

Fax: 1 (866) 785-7444 (TTY 711)

Medicare Advantage (Health Plans) - ARIZONA ONLY

Cigna
Attn: Enrollment
PO Box 281617
Nashville, TN 37228-9938

Fax: 1 (855) 531-9754 (TTY 711)

1 Not all Medicare Advantage Plans include Part D prescription coverage.

Let's Get Started

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Medicare Advantage 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. All clinical products and services of the LivingWell Health Centers are either provided by or through clinicians contracted with HealthSpring Life & Health Insurance Company, Inc., HealthSpring of Florida, Inc., Bravo Health Mid-Atlantic, Inc., and Bravo Health Pennsylvania, Inc. or employees leased by HS Clinical Services, PC, Bravo Advanced Care Center, PC (PA), Bravo Advanced Care Center, PC (MD) and not by Cigna Corporation. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.

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.

Medicare Supplement Policy Disclaimers

Medicare Supplement website content not approved for use in: Minnesota, Missouri, North Carolina, North Dakota, Oregon, Virginia.

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.

American Retirement Life Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company do not issue policies in New Mexico.

Kansas Disclosures, Exclusions and Limitations

Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-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.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.

Y0036_22_101121_M | Page last updated 06/01/2022 .