2013 CIGNA MEDICARE RX
®
(PDP)
A MEDICARE
PRESCRIPTION
DRUG PLAN
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
•
Medicare overview
3
•
Medicare Part D
5
•
Cigna Medicare Rx (PDP) plans
12
•
Additional information
25
TABLE OF CONTENTS
2
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaConfidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
MEDICARE OVERVIEW
4
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaThe A, B, C and D’s of Medicare
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
MEDICARE OVERVIEW
5
•
Insurance that helps with drug costs
•
Implemented January 1, 2006
•
Potential penalties for those who don’t enroll
during initial enrollment period (1% per month
penalty), with some exceptions
•
Voluntary program you must enroll to participate
Medicare Part D
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
MEDICARE PART D
•
You are eligible to join a prescription drug plan if you:
–
Are entitled to Medicare Part A and/or
–
Are enrolled in Medicare Part B and
–
Reside in the plan’s service area
Did you know?
•
You can only be enrolled in one Part D plan at a time
•
You may enroll in the plan only during specific times a year (in most instances)
6
Cigna Medicare Rx (PDP)
is available in all 50
states and the District
of Columbia
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
2013 MEDICARE PART D STANDARD BENEFIT
•
If you are entitled to Medicare Part A and/or enrolled in Part B, and reside in the
plan’s service area, you can enroll in a Part D plan
•
The standard Medicare Part D program works like this:
–
Individual pays a monthly premium
–
You pay 100% of your prescription costs until you meet your annual deductible (if
applicable)
–
After the deductible is met, you have initial coverage (the amount you pay is based
on your plan) up to a predetermined limit based on what you (or others on your
behalf) pay and what your Part D plan pays (i.e., total drug costs)
–
After total drug costs reach this initial limit, there is a coverage gap
–
In the coverage gap, you will receive a discount of approximately 50% for brand-
name drugs* and pay no more than 79% of generic drug costs (if you receive Extra
Help, these discounts are not applicable)
–
You will remain in the coverage gap until your total out-of-pocket costs reach
another predetermined limit, at which time you hit the catastrophic level
How it works
*Dispensing fees and vaccine administration fees are not eligible for the brand manufacturer discount
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
Standard Medicare Part D plans consist of four stages:
•
Deductible
•
Initial coverage
•
Coverage gap
•
Catastrophic coverage
THE FOUR STAGES OF STANDARD MEDICARE PART D
2013 minimum plan requirements
5% 95%
Beginning of year
End of year
Catastrophic
coverage
Generic drugs
Brand drugs
Coverage gap
standard discount
Initial coverage
up to limit
$4,750 in total
out-of-pocket costs
$2,970 in total
drug costs
$325 deductible
25% 75%
Customer pays
Part D (Medicare and/or Plan) pays
Manufacturer discount
8
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna79% 21%
Our focus here will be
on Medicare Part D’s
coverage gap stage.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
UNDERSTANDING THE COVERAGE GAP
1
Post-health care reform timeline highlights
•
A 50% manufacturer discount on
the contracted price (excluding
any applicable dispensing fees or
vaccine administration fees)
became available for brand-
name drugs.
1•
Individuals paid no more than
86% of generic drug costs.
2013
2020
•
Individuals will continue to
receive a 50% manufacturer
discount on the contracted
price
2for brand-name drugs
and will be responsible for
47.5% of the remaining 50%
and 47.5% of the dispensing
and vaccine administration
fees.
•
Individuals will pay no more
than 79% of generic drug
costs.
•
By 2020, individuals with
standard Part D gap
coverage will ultimately
be responsible for only
25% of the contracted
cost of their brand-name
and generic drugs.
Plan Two provides full coverage
through the coverage gap:
$0 for all Tier 1 drugs!
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
1.
This program is not available if you receive Extra Help from the government since you already have
coverage through the coverage gap.
2.
Dispensing fees and vaccine administration fees are not eligible for the brand manufacturer discount.
2012
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
2013 MEDICARE PART D
•
If you are experiencing financial difficulty you may be able to get Extra Help (also
called low-income subsidy (LIS)) to pay for your Part D prescription expenses
•
If you have limited income and assets, you may be eligible for Extra Help through
the Social Security Administration (the amount of Extra Help you receive is based
on your income and resources)
•
The government provides Extra Help paying Medicare Part D prescription drug
plan costs (e.g., monthly premiums, annual deductibles, copays and coinsurance)
Did you know?
•
There are four levels of LIS: 1, 2, 3 and 4
–
Within each of the four levels, a qualifying customer will be assigned a percentage
premium subsidy coverage: 25%, 50%, 75% or 100%
–
Cost share for each subsidy level is defined by Centers for Medicare and Medicare
Services (CMS)
Extra Help/low-income subsidy
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
2013 MEDICARE PART D
•
Initial enrollment period (IEP):
If you’re just turning 65, you can enroll in
a Part D plan during the month of your 65
th
birthday, as well as three months before
and after.
•
Annual election period (AEP):
2013 AEP occurs from October 15 through
December 7, 2012. You can make as many changes as desired during the
AEP, but the last election made during the AEP is the one that becomes effective
on January 1, 2013.
•
Special election periods (SEP):
SEP exists for those to make changes to their
current Medicare benefit plan outside of the normal enrollment periods. SEPs are only
allowed under certain circumstances (e.g., moving into a new service area, losing
employer group coverage or a benefit plan termination by CMS). SEPs exist year
round for dual-eligible and LIS individuals or Chronic Care Special Needs Plans.
When to enroll
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
2013 Cigna
Medicare Rx (PDP)
A plan to save you money
on your prescriptions
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
PLAN FEATURES
•
Moderate premium plan with a $0 copay for some
drugs, including a $0 copay through the coverage
gap.
- No deductible
- $0 copay for all Tier 1 drugs
including high
blood pressure, diabetes, high cholesterol,
glaucoma and thyroid therapy medications
- Standard gap coverage
2
plus
$0 copay for all
Tier 1 drugs in the coverage gap
- Low copays for other generics and preferred
brand drugs
- Expanded drug coverage
1.
Plan Two is available in AL, AR, AZ, CT, FL, IA, IL, IN, KY, MA, MI, MN, MO, MT, NC, ND, NE, OH, PA, RI,
SC, SD, TN, TX, VA, VT, WV, WY.
2.
The Health Care Reform mandated gap coverage provides you with a discount of approximately 50% on
brand-name drugs and you pay 79% of generic drug costs (does not apply if you are receiving Extra Help).
13
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cignaplan one
coverage in all states
plan two
expanded coverage in some states
1
•
Lower premium pharmacy plan with a $0
copay for some drugs and very low copays
for most other drugs.
- $0 copay for all Tier 1 drugs
including
high cholesterol, hypertension and
diabetes medications
- Very low copays for most other drugs
- Broad drug coverage
- Standard gap coverage
2
$0 deductible generics
For those living in DE, DC, GA, ID, MD, ME,
MS, NH, SC, UT, WI:
$0 deductible for Tiers 1-2 drugs
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
PLAN AVAILABLITY
14
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna•
Plan One
– coverage available in all
50
States and the District of Columbia
•
Plan Two
– expanded coverage available in
28
States shown in dark blue
Plan One only
AT A GLANCE
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
15
* Plan Two is available in AL, AR, AZ, CT, FL, IA, IL, IN, KY, MA, MI, MN, MO, MT, NC, ND, NE, OH, PA, RI, SC, SD, TN, TX,
VA, VT, WV, WY.
1.
Copays are for a 30-day supply at an in-network retail pharmacy. For a 90-day supply at retail, the copay is 3 times the above
levels. For a 90-day supply at our preferred mail-service pharmacy, the copay is 2.5 times the 30-day levels.
2.
Ranges are state variations.
3.
The Health Care Reform mandated gap coverage provides you with a discount of approximately 50% on brand-name drugs
and you pay 79% of generic drug costs (does not apply if you are receiving Extra Help).
4.
Higher of 5% coinsurance or $2.65 (generic or brands treated as generic) and $6.60 (for all other drugs).
5.
Benefits, formulary pharmacy network, premium and/or co-payments/co-insurance may change on January 1
of each year. The benefit information provided is a brief summary, not a complete description of benefits.
For more information, contact the plan. Limitations, copayments and restrictions may apply.
2013 Cigna Medicare Part D plans
Plan One
Plan Two*
Annual deductible
$0/$325 for residents of DE, DC, GA, ID,
MD, ME, MS, NH, SC, UT, WI
$325 for all other states
$0
Initial coverage:
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5
Copay
1$0
$8
$22-$37
$52-$91
225%
Copay
1$0
$10
$45
$90
33%
Standard coverage gap
3(health care reform)
After your yearly drug costs reach $2,970,
you receive a discount on brand-name
drugs and pay 79% of generic drug costs.
After your yearly drug costs reach $2,970,
you receive a discount on brand-name drugs
and pay 79% of generic drug costs and…
Additional coverage gap
(Plan Two only)
$0 copay coverage on all Tier 1 drugs.
Catastrophic coverage:
After out-of-pocket drug
costs reach $4,750
You pay 5% of covered drug costs.
4You pay 5% of covered drug costs.
4STATE-BY-STATE PREMIUMS AND DEDUCTIBLES
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
16
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaPlan One
Plan Two
1State
Monthly
premium
2Annual
deductible
Monthly
premium
2Annual
deductible
AK
$43.20
$325
N/A
N/A
AL
$33.50
$325
$74.00
$0
AR
$33.50
$325
$70.30
$0
AZ
$42.90
$325
$81.10
$0
CA
$55.80
$325
N/A
N/A
CO
$51.00
$325
N/A
N/A
CT
$34.00
$325
$76.50
$0
DE
$35.40
$0/$325*
N/A
N/A
DC
$35.40
$0/$325*
N/A
N/A
FL
$45.80
$325
$78.70
$0
GA
$33.50
$0/$325*
N/A
N/A
HI
$33.50
$325
N/A
N/A
IA
$35.40
$325
$80.60
$0
ID
$44.80
$0/$325*
N/A
N/A
IL
$31.30
$325
$79.20
$0
IN
$36.30
$325
$76.90
$0
KS
$37.60
$325
N/A
N/A
KY
$36.30
$325
$76.90
$0
LA
$37.50
$325
N/A
N/A
MA
$34.00
$325
$76.50
$0
MD
$35.40
$0/$325*
N/A
N/A
ME
$32.80
$0/$325*
N/A
N/A
MI
$35.20
$325
$66.30
$0
MN
$35.40
$325
$80.60
$0
MO
$34.50
$325
$75.90
$0
*
$0 deductible generics
for:
DE, DC, GA, ID, MD, ME, MS,
NH, SC, UT, WI:
$0 deductible for Tiers 1-2 drugs
$325 deductible for Tiers 3-5 drugs
1. Plan Two is available in AL, AR, AZ, CT, FL, IA, IL, IN, KY, MA, MI, MN, MO, MT, NC, ND, NE,
OH, PA, RI, SC, SD, TN, TX, VA, VT, WV, WY.
STATE-BY-STATE PREMIUMS AND DEDUCTIBLES
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
17
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaPlan One
Plan Two
1State
Monthly
premium
2Annual
deductible
Monthly
premium
2Annual
deductible
MS
$34.30
$325
n/a
N/A
MT
$35.40
$325
$80.60
$0
NC
$33.10
$325
$72.10
$0
ND
$35.40
$325
$80.60
$0
NE
$35.40
$325
$80.60
$0
NH
$32.80
$0/$325*
N/A
N/A
NJ
$47.00
$325
N/A
N/A
NM
$25.50
$325
N/A
N/A
NV
$46.70
$325
N/A
N/A
NY
$42.30
$325
N/A
N/A
OH
$38.30
$325
$72.20
$0
OK
$34.00
$325
N/A
N/A
OR
$49.00
$325
N/A
N/A
PA
$36.10
$325
$76.00
$0
RI
$34.00
$325
$76.50
$0
SC
$37.10
$0/$325*
$71.70
$0
SD
$35.40
$325
$80.60
$0
TN
$33.50
$325
$74.00
$0
TX
$31.80
$325
$79.10
$0
UT
$44.80
$0/$325*
N/A
N/A
VA
$31.40
$325
$71.40
$0
VT
$34.00
$325
$76.50
$0
WA
$49.00
$325
N/A
N/A
WI
$38.00
$0/$325*
N/A
N/A
WV
$36.10
$325
$76.00
$0
WY
$35.40
$325
$80.60
$0
1. Plan Two is available in AL, AR, AZ, CT, FL, IA, IL, IN, KY, MA, MI, MN, MO, MT, NC, ND, NE,
OH, PA, RI, SC, SD, TN, TX, VA, VT, WV, WY.
2. You must continue to pay your Medicare Part B premium.
*
$0 deductible generics
for:
DE, DC, GA, ID, MD, ME, MS,
NH, SC, UT, WI:
$0 deductible for Tiers 1-2 drugs
STATE-BY-STATE MONTHLY LIS PREMIUMS
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
18
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaPlan One
Plan Two
1Subsidized Part D low-income premium
(by % covered) – customer pays:
Subsidized Part D low-income premium
(by % covered) – customer pays:
State
100%
75%
50%
25%
100%
75%
50%
25%
AK
$8.50
$17.20
$25.80
$34.50
N/A
N/A
N/A
N/A
AL
$0.00
$8.40
$16.70
$25.10
$40.30
$48.70
$57.20
$65.60
AR
$0.00
$8.40
$16.70
$25.10
$36.10
$44.70
$53.20
$61.80
AZ
$13.50
$20.80
$28.20
$35.50
$51.70
$59.00
$66.40
$73.70
CA
$25.90
$33.40
$40.90
$48.30
N/A
N/A
N/A
N/A
CO
$19.10
$27.10
$35.00
$43.00
N/A
N/A
N/A
N/A
CT
$2.60
$10.50
$18.30
$26.20
$45.10
$53.00
$60.80
$68.70
DE
$0.00
$9.20
$17.90
$26.70
N/A
N/A
N/A
N/A
DC
$0.00
$9.20
$17.90
$26.70
N/A
N/A
N/A
N/A
FL
$21.00
$27.20
$33.40
$39.60
$53.90
$60.10
$66.30
$72.50
GA
$0.00
$8.40
$16.70
$25.10
N/A
N/A
N/A
N/A
HI
$0.20
$8.50
$16.80
$25.20
N/A
N/A
N/A
N/A
IA
$0.00
$9.40
$18.10
$26.70
$46.00
$54.60
$63.30
$71.90
ID
$2.60
$13.20
$23.70
$34.30
N/A
N/A
N/A
N/A
IL
$0.00
$8.10
$15.80
$23.60
$48.30
$56.00
$63.70
$71.50
IN
$0.00
$9.10
$18.10
$27.20
$39.70
$49.00
$58.30
$67.60
KS
$0.00
$10.60
$19.60
$28.60
N/A
N/A
N/A
N/A
KY
$0.00
$9.10
$18.10
$27.20
$39.70
$49.00
$58.30
$67.60
LA
$0.00
$9.50
$18.80
$28.20
N/A
N/A
N/A
N/A
MA
$2.60
$10.50
$18.30
$26.20
$45.10
$53.00
$60.80
$68.70
MD
$0.00
$9.20
$17.90
$26.70
N/A
N/A
N/A
N/A
ME
$0.00
$8.20
$16.40
$24.60
N/A
N/A
N/A
N/A
MI
$0.00
$9.60
$18.10
$26.70
$32.10
$40.70
$49.20
$57.80
MN
$0.00
$9.40
$18.10
$26.70
$46.00
$54.60
$63.30
$71.90
MO
$0.00
$8.60
$17.20
$25.90
$41.30
$50.00
$58.60
$67.30
This chart does not include any Medicare Part B premium you may have to pay.
STATE-BY-STATE MONTHLY LIS PREMIUMS
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
19
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaPlan One
Plan Two
1Subsidized Part D low-income premium
(by % covered) – customer pays:
Subsidized Part D low-income premium
(by % covered) – customer pays:
State
100%
75%
50%
25%
100%
75%
50%
25%
MS
$0.00
$8.60
$17.10
$25.70
N/A
N/A
N/A
N/A
MT
$0.00
$9.40
$18.10
$26.70
$46.00
$54.60
$63.30
$71.90
NC
$0.00
$9.10
$17.10
$25.10
$40.10
$48.10
$56.10
$64.10
ND
$0.00
$9.40
$18.10
$26.70
$46.00
$54.60
$63.30
$71.90
NE
$0.00
$9.40
$18.10
$26.70
$46.00
$54.60
$63.30
$71.90
NH
$0.00
$8.20
$16.40
$24.60
N/A
N/A
N/A
N/A
NJ
$10.00
$19.20
$28.50
$37.70
N/A
N/A
N/A
N/A
NM
$3.00
$8.60
$14.20
$19.90
N/A
N/A
N/A
N/A
NV
$26.30
$31.40
$36.50
$41.60
N/A
N/A
N/A
N/A
NY
$0.00
$10.60
$21.10
$31.70
N/A
N/A
N/A
N/A
OH
$8.40
$15.90
$23.40
$30.80
$42.30
$49.80
$57.30
$64.70
OK
$0.00
$9.40
$17.60
$25.80
N/A
N/A
N/A
N/A
OR
$11.50
$20.90
$30.30
$39.60
N/A
N/A
N/A
N/A
PA
$0.00
$9.00
$18.00
$27.10
$39.40
$48.60
$57.70
$66.90
RI
$2.60
$10.50
$18.30
$26.20
$45.10
$53.00
$60.80
$68.70
SC
$0.00
$9.30
$18.50
$27.80
$32.90
$42.60
$52.30
$62.00
SD
$0.00
$9.40
$18.10
$26.70
$46.00
$54.60
$63.30
$71.90
TN
$0.00
$8.40
$16.70
$25.10
$40.30
$48.70
$57.20
$65.60
TX
$0.00
$7.90
$15.90
$23.80
$47.30
$55.20
$63.20
$71.10
UT
$2.60
$13.20
$23.70
$34.30
N/A
N/A
N/A
N/A
VA
$0.00
$8.90
$16.40
$23.90
$41.30
$48.90
$56.40
$63.90
VT
$2.60
$10.50
$18.30
$26.20
$45.10
$53.00
$60.80
$68.70
WA
$11.50
$20.90
$30.30
$39.60
N/A
N/A
N/A
N/A
WI
$0.00
$9.50
$19.00
$28.50
N/A
N/A
N/A
N/A
WV
$0.00
$9.00
$18.00
$27.10
$39.40
$48.60
$57.70
$66.90
WY
$0.00
$9.40
$18.10
$26.70
$46.00
$54.60
$63.30
$71.90
This chart does not include any Medicare Part B premium you may have to pay.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
DRUG OVERVIEW
•
Our Part D plan covers over 6,000 medications and Plan Two covers 96%
of the most commonly used drugs by Medicare individuals
1
•
We provide a separate drug list/formulary for Plan One and for Plan Two
•
Formulary Tier descriptions for both plans are as follows:
–
Tier 1: Preferred generic drugs
Includes preferred generic drugs and may include preferred brand-name drugs.
This grouping of prescription drugs represents the lowest cost-sharing.
–
Tier 2: Non-preferred generic drugs
Includes non-preferred generic drugs and may include preferred brand-name drugs.
–
Tier 3: Preferred brand drugs
Includes preferred brand drugs and may include non-preferred generic drugs.
–
Tier 4: Non-preferred brand drugs
Includes non-preferred brand drugs and may
include non-preferred generic drugs.
–
Tier 5: Specialty tier
Includes generic and brand-name drugs that
meet certain criteria defined by Medicare.
This grouping of prescription drugs represents
the highest cost-sharing.
Search our full drug list on
cignamedicarerx.com
20
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaThrough Healthy Rewards
®
,* customers get access to a range of health
and wellness programs and services, including:
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
CIGNA HEALTHY REWARDS
21
Vision exams and eyewear
Discounts for routine vision services, exams and eyeglasses
Hearing aids and exams
Deeply discounted pricing on hearing aids plus free batteries for 2 years
Discounts on products and programs
* The products and services described for Healthy Rewards are neither offered nor guaranteed under our contract
with the Medicare program. In addition, they are not subject to the Medicare appeals process. Any disputes
regarding these products and services may be subject to the Cigna Medicare Rx grievance process. Some
Healthy Rewards programs are not available in all states. If their Cigna plan includes coverage for any of these
services, this program is in addition to, not instead of, your plan benefits. A discount program is NOT insurance
and you must pay the entire discounted charge.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
Chiropractic/acupuncture/massage therapy
Save up to 25% off usual and customary fees for services
Weight and nutrition
Save up to 25% off weight and nutrition programs
Fitness clubs
•
Cigna Home Delivery Pharmacy has a
dedicated phone number for you to call
24 hours a day/seven days a week:
1-877-252-6907
(TTY/TDD users can call: 1-605-373-4859)
•
You could pay less with Cigna Home Delivery
Pharmacy, for example:
–
If a customer pays $30 copay today for a monthly
prescription with Cigna Home Delivery Pharmacy,
they could pay only $75 for a 90-day supply – possible savings of 17%
3
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
CIGNA HOME DELIVERY PHARMACY
•
Cigna Home Delivery Pharmacy delivers prescription drugs right to your mailbox, often
at lower prices than your pharmacy
1
and provides:
–
Free and quick delivery of all your prescriptions
2
–
Refill reminders to help ensure you don’t miss a dose
–
FDA-approved medications
–
Confidential, tamper-resistant packaging
–
Pharmacists available day or night to answer your questions and put you at ease
22
We make it easy
1.
Results may vary based on where you are in the Medicare Part D Coverage phases.
2.
Free standard shipping – extra costs apply for rush delivery.
•
Medicare Rx Plans:
–
Can save you money on hearing and vision programs; including hearing aids and
eyeglasses
–
Have a broad, national network of over 64,000 pharmacies, including our convenient
Cigna Home Delivery Pharmacy where you can get your drugs delivered right to your door
–
Cover over 6,000 medications and Plan Two even covers 96% of the most commonly
used drugs
1
•
Plan One
–
$0 deductible generics if you reside in DC, DE, GA, ID, MD, ME, MS, NH, SC. UT, WI:
you’ll pay no deductible for Tiers 1-2 drugs and the standard $325 deductible applies for
Tiers 3-5 drugs
–
$0 copay for all Tier 1 drugs (including high cholesterol, hypertension and diabetes
medications) and only $8 for all Tier 2 drugs
•
Plan Two
–
No deductible
–
$0 copay for all Tier 1 drugs & $0 copay for Tier 1 drugs all the way through the
coverage gap (including high blood pressure, diabetes, high cholesterol, glaucoma and
thyroid therapy medications)
A plan to save you money
23
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna1.
Based on the top 100 Part D prescription drugs used by Medicare-eligible customers. The four percent
of drugs not covered are brand-name drugs with a covered generic equivalent available.
Enroll Today!
1. Call your broker or Cigna Medicare Rx at 1-800-735-1459
2. Online through your broker’s website or by visiting the Cigna Medicare Rx
website at
www.cignamedicarerx.com
3. Mail your enrollment form to:
Cigna Medicare Rx (PDP)
P.O. Box 269005
Weston, FL 33326-9927
4. Fax your completed form to: 1-800-735-1469
Four simple ways to enroll:
24
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 CignaAdditional
information
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
ADDITIONAL INFORMATION
•
Most individuals will pay the standard monthly Part D premium; however, some
have to pay an extra amount because of their annual income
•
For singles or married individuals filing separately with income above $85,000
and married couples with income above $170,000, an extra Part D premium
will be charged
•
If you need to pay more, the Social Security Administration will send you a letter
with instructions on how to pay the extra amount
•
The extra amount must be paid separately and cannot be paid with your monthly
plan premium to their Part D plan
Income related Medicare adjustment amount
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
ADDITIONAL INFORMATION
If you filed an individual
tax return and your
income in 2012 was:
If you were married but
filed a separate tax return
and your income in
2012 was:
If you filed a joint tax
return and your
income in 2012 was:
This is the monthly cost of
your extra Part D amount
(to be paid in addition to your
plan premium):
Equal to or less than
$85,000
Equal to or less than
$85,000
Equal to or less than
$170,000
$0
Greater than $85,000 and
less than or equal to
$107,000
Greater than $170,000
and less than or equal to
$214,000
$11.60
Greater than $107,000 and
less than or equal to
$160,000
Greater than $214,000
and less than or equal to
$320,000
$29.90
Greater than $160,000 and
less than or equal to
$214,000
Greater than $85,000 and
less than or equal to
$129,000
Greater than $320,000
and less than or equal to
$428,000
$48.30
Greater than $214,000
Greater than $129,000
Greater than $428,000
$66.60
Income related Medicare adjustment amounts
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna
ADDITIONAL INFORMATION
•
An amount (late enrollment penalty (LEP)) added to your monthly premium if you do
not enroll in a Medicare Part D plan when you first become eligible: if you go without
creditable coverage (i.e., coverage at least as good as Medicare’s) for a continuous
period of 63 days or more
•
LEP is added to your monthly premium (considered part of your premium); if you
do not pay your LEP, you could be disenrolled for failure to pay premium
•
If you are under 65 and are currently receiving Medicare benefits, the LEP will reset
when you turn 65; after age 65, your LEP will be based only on the months you
don’t have coverage after your initial enrollment period for aging into Medicare
•
To calculate your LEP:
–
Count the number of full months you delayed enrolling in a Medicare drug plan
(after you were eligible to enroll) or count the number of full months you did not have
creditable prescription drug coverage (if the break in overage was 63 days or more)
–
The penalty is 1% for every month you did not have creditable coverage
(e.g., if they go 14 months without coverage, the penalty will be 14%)
Late enrollment penalty
1
1.
If you are eligible for LIS and receive Extra Help from the government, you are not
subject to late enrollment penalties.
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2012 Cigna