Pre-Enrollment Disclaimers
Information to know before enrolling in specific plans.
All Plans
All Cigna HealthcareSM products and services are provided exclusively by or through operating subsidiaries of The Cigna GroupSM Corporation. The Cigna Healthcare name, logos, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.
Contact plan for details and availability of these services. This information is not a complete description of benefits. Please contact our Customer Service on our
The disclaimers on this page apply to the benefits outlined throughout plan documents. Benefits vary by plan. Prior authorization and/or referrals are required for certain services. A licensed benefit advisor can assist you with any questions about our plans by calling the number above.
Benefits, formulary (drug list), pharmacy network, premiums, and/or copayments/co-insurance may change on January 1.
Every year, Medicare evaluates plans based on a 5-star rating system.
Medicare beneficiaries may also enroll in Cigna Healthcare plans through the
Arizona Plans Only
For Cigna Achieve Medicare (HMO C-SNP) H0354-027 (Arizona) plan:
To enroll in the above plan, you must have clinical diabetes and live in our service area of Maricopa, Pima, and Pinal counties, Arizona.
For Cigna Alliance Medicare (HMO) H0354-028, Cigna Preferred Medicare (HMO) H0354-001, Cigna Preferred Savings Medicare (HMO) H0354-029, Cigna True Choice Medicare (PPO) H7849-065, and Cigna True Choice Savings Medicare (PPO) H7849-066 (Arizona) plans:
To enroll in one of the above plans, you must live in our service area of Maricopa, Pima, and Pinal counties, Arizona.
With Arizona Cigna Healthcare plans, you'll get all primary and most specialty care through the Evernorth Care Group network. You can also go to select local doctors. You must use doctors in your plan, except with:
- An emergency
- Urgent care visits
- Renal dialysis that’s not in your area
If you get routine care from doctors outside your network, you will be charged for the costs.
Requirements:
- You can only be in 1 Medicare Advantage Plan at a time
- While you’re in a Cigna Healthcare plan, you must get your pharmacy benefits through Cigna Healthcare.
Copays and some limits may apply.
For Arizona residents only:
Call Customer Service at
8 am - 8 pm
October - March: 7 days a week
April - September: Monday - Friday
Our automated phone system may answer your call weekends, holidays, and after hours. ATTENTION: If you speak a language other than English, language assistance services, free of charge, are available to you. Call
Individual Plan Disclaimers
Click your plan below to see applicable disclaimers.
Medicare Advantage Plans
To join this plan, you must have been diagnosed with diabetes and be enrolled in Medicare Parts A and B.
Out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our Customer Service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our Customer Service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
To join this plan, you must be entitled to Medicare Part A, enrolled in Medicare Part B, and Medicaid.
Cigna TotalCare plans are available to anyone who has both Medical Assistance from the State and Medicare. Premiums, copays, coinsurance, and deductibles may vary based on the level of Extra Help you receive.
Out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat plan members, except in emergency situations. Please call our Customer Service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Part D Prescription Drug Plans
Cigna Healthcare has formed a network of pharmacies for our Medicare plans, including pharmacies with preferred cost-sharing. You must use a network pharmacy to access your prescription drug benefits, except under non-routine circumstances, and quantity limitations and restrictions may apply. If you get drugs from an out-of-network pharmacy, you may pay more than you pay at an in-network pharmacy. You will pay the copay or percent of the cost, plus the difference between the out-of-network pharmacy billed charge and our typical Standard Retail pharmacy billed costs. The pharmacies in our network can change at any time.
2024 Cigna Saver Prescription Drug Plan’s pharmacy network includes limited lower-cost, preferred pharmacies in Alaska. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call
2023 Cigna Saver Prescription Drug Plan’s pharmacy network includes limited lower-cost, preferred pharmacies in Alaska, Montana, North Dakota, South Dakota, and Wyoming. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call
Cigna Healthcare has formed a network of pharmacies for our Medicare plans, including pharmacies with preferred cost-sharing. You must use a network pharmacy to access your prescription drug benefits, except under non-routine circumstances, and quantity limitations and restrictions may apply. If you get drugs from an out-of-network pharmacy, you may pay more than you pay at an in-network pharmacy. You will pay the copay or percent of the cost, plus the difference between the out-of-network pharmacy billed charge and our typical Standard Retail pharmacy billed costs. The pharmacies in our network can change at any time.
For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call
Cigna Healthcare has formed a network of pharmacies for our Medicare plans, including pharmacies with preferred cost-sharing. You must use a network pharmacy to access your prescription drug benefits, except under non-routine circumstances, and quantity limitations and restrictions may apply. If you get drugs from an out-of-network pharmacy, you may pay more than you pay at an in-network pharmacy. You will pay the copay or percent of the cost, plus the difference between the out-of-network pharmacy billed charge and our typical Standard Retail pharmacy billed costs. The pharmacies in our network can change at any time.
For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call
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Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract 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 a Cigna Healthcare product depends on contract renewal.
To file a marketing complaint,
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
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.