Medicare Part D Prescription Drug Plan Enrollment and Eligibility

Medicare Part D Prescription Drug Plan Enrollment and Eligibility

Find out if you’re eligible for a Cigna Medicare Part D Prescription Drug Plan and how to enroll.

Recently eligible for Medicare? Shop for a 2021 plan

Recently eligible for Medicare? Shop for a 2021 plan

How do I enroll for a Cigna Part D Prescription Drug Plan?

Cigna Medicare offers many ways to enroll in a Part D Prescription Drug Plan. Please review our Pre-Enrollment Disclaimers before you enroll. If you have questions, call us at 1 (855) 391-2556 (TTY 711), 8 am - 8 pm, 7 days a week.

Online enrollment is easy with Cigna's Medicare online enrollment tool. You can compare and choose the plan that fits your needs.

Compare plans and enroll online

You can enroll in a Cigna Part D plan by calling us toll-free and talking to one of our licensed representatives. When you call, please have the Medicare Card ID number and date of birth of the person you would like to enroll.

Call 1 (855) 391-2556
TTY toll-free 711
7 days a week, 8 am - 8 pm

Our automated phone system may answer your call during weekends from April 1 - September 30.

Using our enrollment tool, enter your ZIP code and select the plan you’re interested in. On the details page, you’ll find a link to Enrollment Forms that you can then print from your computer. Mail or fax your completed and signed forms to:

Cigna Medicare Prescription Drug Plan
P.O. Box 269005
Weston, FL 33326-9927
Fax: 1 (800) 735-1469

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

Am I eligible for Part D?

Medicare prescription drug coverage is an optional benefit offered to people who have Medicare. If you’re enrolled in Original Medicare Part A and/or Part B, you can get Part D regardless of income. You don’t need to have a physical exam and you cannot be denied for health reasons. Part D is also a part of some Medicare Advantage plans.

When can I enroll?

If you’re turning 65, you have a window of 7 months in which to enroll:

  • The 3 months before the month in which you turn 65
  • The month in which you turn 65
  • And the 3 months after you turn 65

If you miss this enrollment window, you can still enroll, but you may pay a late enrollment penalty.

When can I switch plans?

You can switch your Medicare prescription drug coverage (Part D) during the Open Enrollment Period between October 15 - December 7 each year. The change will start on January 1 of the next year.

Special Enrollment Periods (SEPs)

Outside of the Open Enrollment Period, you can make changes to your Part D coverage when certain events happen in your life, like if you move, lose other insurance coverage, or qualify for Extra Help. These chances to make changes are called Special Enrollment Periods (SEPs).

Some examples of SEPs are:

  • You are recently eligible for Medicare, such as newly turning 65.
  • You are eligible for both Medicare and Medicaid which allows you to enroll at additional times during the year.
  • You are eligible and have lost your prior prescription drug coverage which met the criteria of being "creditable coverage.”
  • You have entered a long-term care facility.

Contact us to learn more about Special Enrollment Period Exceptions

What is the Late Enrollment Penalty?

The Late Enrollment Penalty is a fee that is meant to encourage enrollment in a prescription drug plan at the point of eligibility. If you are enrolled in a Medicare prescription drug plan, you may owe a Late Enrollment Penalty, if for any 63 days or more after the Initial Enrollment Period, you went without 1 of these:

  • A Medicare Part D Prescription Plan
  • A Medicare Advantage Plan (Part C) (like an HMO or PPO)
  • Another Medicare health plan that offers Medicare prescription drug coverage
  • Creditable prescription drug coverage

The Late Enrollment Penalty (also called the “LEP” or “penalty”) is added to your monthly Part D premium for as long as you have Part D coverage, even if you change your Medicare Part D plan. The Late Enrollment Penalty amount changes each year. You may also have this penalty if you have a Medicare Advantage plan that includes prescription drug coverage (MAPD). You can avoid the late enrollment penalty by making sure you enroll when you are eligible and keeping your coverage.

If you qualify for Extra Help due to a lack of income or resources, you can enroll late without a penalty. However, if you lose Extra Help, you may be charged a penalty if you have a break in coverage.

Medicare, not the Cigna Part D Plan, will determine the penalty amount. You will receive a letter from the plan notifying you of any penalty. For further questions or concerns about the Late Enrollment Penalty, call Medicare at 1 (800) MEDICARE [1 (800) 633-4227] or visit

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