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  • Home Medicare Medicare Eligibility and Enrollment Pre-Enrollment Disclaimers

    Pre-Enrollment Disclaimers

    Information to know before enrolling in specific plans.

    All Plans

    All Cigna HealthcareSM products and services are provided exclusively by or through operating subsidiaries of The Cigna GroupSM Corporation. The Cigna Healthcare name, logos, and other Cigna Healthcare marks are owned by The Cigna Group 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, local time 7 days a week October 1 to March 31, Monday to Friday April 1 to September 30. Our automated phone system may answer your call during weekends, holidays and after hours.

    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 Healthcare plans through the CMS Medicare Online Enrollment Center.

    Arizona Plans Only

    For Cigna Achieve Medicare (HMO C-SNP) H0354-027 (Arizona) plan:

    To enroll in the above plan, you must have clinical diabetes and live in our service area of Maricopa, Pima, and Pinal counties, Arizona.

    For Cigna Alliance Medicare (HMO) H0354-028, Cigna Preferred Medicare (HMO) H0354-001, Cigna Preferred Savings Medicare (HMO) H0354-029, Cigna True Choice Medicare (PPO) H7849-065, and Cigna True Choice Savings Medicare (PPO) H7849-066 (Arizona) plans:

    To enroll in one of the above plans, you must live in our service area of Maricopa, Pima, and Pinal counties, Arizona.

    With Arizona Cigna Healthcare plans, you'll get all primary and most specialty care through the Evernorth Care Group network. You 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 Healthcare plan, you must get your pharmacy benefits through Cigna Healthcare.

    Copays and some limits may apply.

    For Arizona residents only:

    Call Customer Service at  (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  (TTY - 711) 8 am - 8 pm. Translations can be found here. [PDF]

    Individual Plan Disclaimers

    Click your plan below to see applicable disclaimers.

    Medicare Advantage Plans

    Cigna Achieve Medicare (HMO C-SNP) Plan

    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 plan 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.

    Cigna Alliance Medicare (HMO) Plan

    Out-of-network/non-contracted providers are under no obligation to treat plan 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.

    Cigna Courage Medicare (HMO) Plan

    Out-of-network/non-contracted providers are under no obligation to treat plan 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.

    Cigna Preferred Medicare (HMO), Cigna Preferred AL Medicare (HMO), Cigna Preferred DC Medicare (HMO), Cigna Preferred GA Medicare (HMO), Cigna Preferred Plus Medicare (HMO), Cigna Preferred Savings Medicare (HMO), and Cigna Preferred Select Medicare (HMO)

    Out-of-network/non-contracted providers are under no obligation to treat plan 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.

    Cigna Premier Medicare (HMO-POS) Plan

    For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat plan 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.

    Cigna Primary Medicare (HMO) Plan

    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.

    Cigna TotalCare (HMO D-SNP), Cigna TotalCare Plus (HMO D-SNP), and Cigna TotalCare Select Plus (HMO D-SNP) Plans

    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 plan 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.

    Cigna True Choice Medicare (PPO), Cigna True Choice Access Medicare (PPO), Cigna True Choice Courage Medicare (PPO), Cigna True Choice DE Medicare (PPO), Cigna True Choice Plus Medicare (PPO), and Cigna True Choice Savings Medicare (PPO) Plans

    For PPO and POS plans, out-of-network/non-contracted providers are under no obligation to treat plan 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

    Cigna Saver Rx (PDP) Plan

    Cigna Healthcare 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.

    Cigna Saver Prescription Drug Plan’s pharmacy network includes limited lower-cost, preferred pharmacies in Alaska. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use.

    For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call (TTY 711) or consult the online pharmacy directory.

    Cigna Secure Rx (PDP) Plan

    Cigna Healthcare 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  (TTY 711) or consult the online pharmacy directory.

    Cigna Extra Rx (PDP) Plan

    Cigna Healthcare 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  (TTY 711) or consult the online pharmacy directory.

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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 (), 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

    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.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website.

    Y0036_24_1037312_M | Page last updated 01/01/2024

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