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Medicare Advantage Special Needs Plans

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Or, call us at (TTY 711), or request a phone call from one of our agents.

About Special Needs Plans

A Special Needs Plan (SNP) is a Medicare Advantage plan for customers with specific diseases or traits. A SNP has all the benefits of a Medicare Advantage plan (including a prescription drug plan) and also has extra services specific to the type of plan. Here are some of the services that come with SNPs:

Case Management

A Case Manager helps you set up goals for your medical needs. A SNP Case Manager for a person with diabetes might help monitor blood sugar levels.

Individualized Care Plan

Based on the results of a Health Risk Assessment, a care plan will be made with goals you can work on with your Case Manager or PCP.

Interdisciplinary Care Team

A team made up of your primary care physician (PCP), caregivers (as needed), and network doctors and specialists (as needed) will be arranged to handle your needs. You may also get support from pharmacists, social workers, and nurse case managers.

Care Transitions

If you need to stay at a hospital or skilled nursing facility, you may be able to get help with your change of care.

Can I get a Special Needs Plan?

To get a SNP, you must:

  • Have Medicare Part A (hospital insurance) and Part B (medical insurance)
  • Live in the plan’s service area
  • Meet the eligibility requirements for the SNP

Types of Special Needs Plans

When shopping for SNPs, you will see these types offered:

Dual SNP (D-SNP) for customers with both Medicare and Medicaid who qualify for a SNP.

Chronic SNP (C-SNP) for customers with diabetes mellitus.

Institutional SNP (I-SNP) for customers who live in a long-term care place or need a level of care most often supplied in a nursing home.

Are you a caregiver?

As a caregiver, it’s your role to make sure your family member or loved one is getting their health care needs met. A Special Needs Plan can help you with the hard choices that may need to be made. If you have questions, call us at 1 (800) 668-3813 (TTY 711), 8 am – 8 pm, 7 days a week.

For more information, visit our Caregiver Resources page.

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Have a plan in mind?

If you have a Cigna Medicare Plan in mind, you can enroll online, or by phone, mail, or fax. Learn more about ways to enroll

Selecting these links will take you away from Cigna Medicare plans.

Cigna has been approved by the National Committee for Quality Assurance (NCQA) to operate as a Special Needs Plan (SNP) until 2021 based on a review of Cigna’s Model of Care. Cigna will still need to be approved each year by CMS (Center for Medicare & Medicaid Services) in order to operate. If you have questions regarding our approval by the NCQA, please contact our Customer Service Team at  (TTY 711) 8 am - 8 pm, 7 days a week.

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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.

To file a marketing complaint, contact Cigna or call 1-800-MEDICARE ( ), 24 hours a day, 365 days a year, TTY . Please include the agent/broker name if possible.

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


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 to another website, which may be a non-Cigna website.

Y0036_23_788405_M | Page last updated 04/06/2023.