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Eligibility & Enrollment
Medicare Part D Prescription Drug Plan Eligibility and Enrollment
Find out if you’re eligible for a Medicare Part D Prescription Drug Plan and how to enroll.
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How do I enroll for a Part D Prescription Drug Plan?
Cigna HealthcareSM 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
Enroll by Phone
You can enroll in a 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.
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.
Enroll by Mail or Fax
Using our enrollment tool, enter your ZIP code and select the plan you’re interested in. Once you've selected your plan, find the Enrollment Form for that plan under "Plan Documents." Print and complete the form. Mail or fax your completed and signed forms to:
Cigna Healthcare Medicare Prescription Drug Plan
P.O. Box 269005
Weston, FL 33326-9927
Medicare beneficiaries may also enroll in Cigna Healthcare Medicare Plans through the Centers for Medicare & Medicaid (CMS) Medicare Online Enrollment Center.
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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.
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 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
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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 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
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.