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Home Medicare Medicare Eligibility and EnrollmentPre-Enrollment Disclaimers

Pre-Enrollment Disclaimers

Information to know before enrolling in specific plans.

All Plans

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.

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 Contact Us page for additional information. You can reach us 8 am - 8 pm, local time 7 days a week October 1 to March 31, Monday to Friday April 1 to September 30. Our automated phone system may answer your call during weekends, holidays and after hours.

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 plans through the CMS Medicare Online Enrollment Center.

Arizona Plans Only

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With Arizona Cigna, you'll get all primary and most specialty care through the Evernorth Care Group network. You’ll 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 plan, you must get your pharmacy benefits through Cigna.

Copays and some limits may apply.

For Arizona residents only:

Call Customer Service at  (TTY 711)
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  (TTY - 711) 8 am - 8 pm. Translations can be found here. [PDF]

Individual Plan Disclaimers

Click your plan below to see applicable disclaimers.

Medicare Advantage Plans

Cigna Achieve Medicare (HMO C-SNP) Plan

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 Cigna 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.

Cigna Alliance Medicare (HMO) Plan

Out-of-network/non-contracted providers are under no obligation to treat Cigna 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.

Cigna Courage Medicare (HMO) Plan

Out-of-network/non-contracted providers are under no obligation to treat Cigna 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.

Cigna Fundamental Medicare (HMO Plan)

Out-of-network/non-contracted providers are under no obligation to treat Cigna-HealthSpring 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.

Cigna Fundamental Medicare (PPO Plan)

For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat Cigna 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.

Cigna Preferred Medicare (HMO), Preferred AL Medicare (HMO), Preferred GA Medicare (HMO), Preferred Plus Medicare (HMO), Preferred Savings Medicare (HMO), and Preferred Select Medicare (HMO)

Out-of-network/non-contracted providers are under no obligation to treat Cigna 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.

Cigna Preferred Medicare (PPO) Plan

For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat Cigna 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.

Cigna Preferred Savings Medicare (PPO) Plan

For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat Cigna 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.

Cigna Premier Medicare (HMO-POS) Plan

For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat Cigna 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.

Cigna Primary Medicare (HMO) Plan

Out-of-network/non-contracted providers are under no obligation to treat 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.

Cigna TotalCare (HMO D-SNP), TotalCare AL (HMO D-SNP) Cigna TotalCare Plus (HMO D-SNP), and Cigna TotalCare Select Plus (HMO D-SNP) Plans

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 Cigna 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.

Cigna True Choice Medicare (PPO) ), True Choice Access Medicare (PPO), True Choice Courage Medicare (PPO), True Choice Plus Medicare (PPO), and True Choice Savings Medicare (PPO) Plans

For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat Cigna 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 Secure Rx (PDP) Plan

Cigna 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  (TTY 711) or consult the online pharmacy directory.

Cigna Saver Rx (PDP) Plan

Cigna 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.

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  (TTY 711) or consult the online pharmacy directory.

Cigna Extra Rx (PDP) Plan

Cigna 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  (TTY 711) or consult the online pharmacy directory.

Cigna Essential Rx (PDP) Plan

Cigna 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  (TTY 711) or consult the online pharmacy directory.


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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.

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.

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_23_788405_M | Page last updated 10/01/2022.