Pre-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, including Cigna Health and Life Insurance Company, Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Arizona, Inc., Cigna HealthCare of St. Louis, Inc., HealthSpring Life & Health Insurance Company, Inc., HealthSpring of Florida, Inc., Bravo Health Mid-Atlantic, Inc., and Bravo Health Pennsylvania, Inc.

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, 7 days a week.

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.

For Cigna Preferred Medicare and Cigna Alliance (Arizona) plans:

To enroll in one of the above plans, you must live in our service area of Maricopa and Pima counties or Apache Junction, Pinal county (zip codes 85117, 85118, 85119, 85120, 85140, 85143, 85178, 85220) or Queen Creek (zip codes 85118, 85140, 85143), Arizona. To enroll in Cigna-HealthSpring Achieve Plus, you must also have clinical diabetes.

With Arizona Cigna, you'll get all primary and most specialty care through the Cigna Medical 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 1 (800) 627-7534 (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 1 (800) 627-7534 (TTY - 711) 8 am - 8 pm. Translations can be found here.

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 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.

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.

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

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.

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.

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.

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.

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.

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.

To join this plan, you must be entitled to Medicare Part A, enrolled in Medicare Part B, meet the Skilled Nursing Facility level of care, and reside in a nursing home.

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.

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 (Part D)

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 1 (800) 222-6700 (TTY 711) or consult the online pharmacy directory.

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 1 (800) 222-6700 (TTY 711) or consult the online pharmacy directory.

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 1 (800) 222-6700 (TTY 711) or consult the online pharmacy directory.