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Health Care as We Get Older
Your health care needs will change as you age. Find out how to manage your care in the future, what it may cost, and how to best plan for your care.
Our health care needs change as we get older. Educating yourself today can help you know what to expect in the future. We tend to need more health care services as we age. It’s a good idea to sharpen your focus in order to save money, make better health care decisions, understand Medicare solutions, and more. Cigna HealthcareSM can help. Here are a few tips to get you started.
How can you be more informed on your health as you age?
Want to be a smarter health care consumer? Learn how to save money while you improve your health. Taking an active role in your health care is the best way to get great care and lower your costs.
How can you make good health care decisions?
You’ll most likely need to make health care decisions for yourself and your family throughout your life. The decisions you make will affect your overall well-being, along with the quality and cost of your care. The more you learn about your choices, the more confident you’ll be.
Partner with your health care provider to learn about your options. Share your values, beliefs, and fears—and don’t be afraid to say “no” to care you don’t need or want.
What should you ask your health care provider?
It’s easier to talk to your health care provider when you know the right questions to ask. Make the most of your appointments, by thinking about the appointment ahead of time:
- What concerns do you have about your health?
- Has anything been bothering you?
- What has the doctor prescribed in the past that you have questions about now?
How can you reduce drug costs?
Determine what you’re spending on prescription drugs today. Learn how you might be able to save money now, and in the future.
When are you eligible for Medicare?
You are eligible for Medicare benefits when you turn 65. Will you or someone you love be eligible soon? Cigna Healthcare Medicare offers plans to meet your individual needs.
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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, contact Cigna Healthcare or call 1-800-MEDICARE (
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 American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health 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, Rhode Island, 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: CIC-MS-AA-A-KS, CIC-MS-AO-A-KS; Plan F: CIC-MS-AA-F-KS, CIC-MS-AO-F-KS; Plan G: CIC-MS-AA-G-KS, CIC-MS-AO-G-KS; Plan HDG: CIC-MS-AA-HDG-KS, CIC-MS-AO-HDG-KS; Plan N: CIC-MS-AA-N-KS, CIC-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.