CIGNA Medicare Surround Option Retirees of Cobb County

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CIGNA Medicare Surround OptionRetirees of Cobb
County
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Understanding CIGNA Medicare Surround

• The CIGNA Medicare Surround indemnity medical
  plan helps pay some of the health care costs that
  your Medicare Part A or Part B do not cover.
• With the CIGNA Medicare Surround plan you have
  the freedom to choose any health care
  professional that accepts Medicare.
• Your out-of-pocket costs may be lower when you
  use a health care professional who accepts
  Medicare assignment.
• To find doctors who accept Medicare, or to learn
  more about Medicare benefits and services, visit
  www.medicare.gov or call 1-800-MEDICARE 24 hours
  a day, 7 days a week. TTY users call
  1-877-486-2048.

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Your CIGNA Medicare Surround PlanHow it Works

• CIGNA Medicare Surround is available only if you
  and/or your eligible dependent qualify for
  Original Medicare benefits (Part A and Part B).
• It is important for you to enroll in Part A and
  Part B Medicare coverage. Coverage under the
  CIGNA Medicare Surround plan depends upon you
  being covered by both Medicare Part A and Part B.
  
• Medicare typically pays 80 for most expenses.
  CIGNAs benefit is based on the remaining 20.
• If you do not enroll in Medicare, we will assume
  the amount payable under Part A and/or Part B has
  still been paid by Medicare.
• You will need to use your Red White and Blue
  Medicare ID card and your new CIGNA Medicare
  Surround Indemnity card when you go to the doctor
  or hospital.
• Expenses covered by CIGNA Medicare Surround must
  be submitted to Medicare before being considered
  for payment.
• Your health care professional will send the claim
  directly to Medicare.
• Medicare will pay the claim and send the claim
  electronically to CIGNA for additional benefits.

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Understanding Medicare Part D

• Medicare Part D provides prescription drug
  coverage through private insurers.
• Medicare Part D plans use a drug list called a
  Formulary, which is a list of prescription drugs
  that a Medicare drug plan will cover subject to
  limits and conditions. Medicare defines the
  types of drugs included in Part D plans based on
  the medical and pharmacy needs of seniors.
• You should show your Medicare Part D ID card each
  time you pick up prescription drugs.

CIGNA Medicare Rx (PDP) is a Medicare approved
Part D prescription drug plan
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Your CIGNA Medicare Rx (PDP) PlanHow it Works

• Although some Medicare prescription drug plans do
  not provide coverage during the Coverage Gap
  section, the CIGNA Medicare Rx (PDP) plan does
  so there actually is no gap in coverage.
• The CIGNA Medicare Rx (PDP) drug list covers over
  6,000 medications. Thats 94 of the most
  commonly used drugs used by Medicare Individuals!
• Our drug list covers several different options
  for each type of drug covered by Medicare.
• Many of these options include generic drugs that
  save you money while providing the same clinical
  effectiveness as brand name drugs

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Your CIGNA Medicare Rx (PDP) PlanPart B vs.
Part D

• Medicare requires certain medications and durable
  medical equipment (such as diabetic test strips,
  lancets, and wheelchairs) be covered under
  Medicare Part B first then the CIGNA Medicare
  Surround plan.
• Even if you buy these items at a pharmacy, they
  may not be covered by your pharmacy plan.
• Many pharmacies can bill your medical plan
  directly if you ask.
• Sometimes, where or why you receive a drug or
  service determines how it is covered.
  Vaccinations are one example of this.
• Vaccinations, like the ones against shingles, are
  covered by Medicare Part D if you get the vaccine
  at the pharmacy.
• Other vaccinations, like the ones against the
  flu, are covered by Medicare Part B first then
  the CIGNA Medicare Surround plan.

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Your New PlanUnderstanding Which Cards to Use
When you go to the doctor or hospital, use these
two cards.
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1
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When you go to the pharmacy, use this card.
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Why CIGNA?

• Excellent Coverage and Access
• With the CIGNA Medicare Surround indemnity
  medical plan
• You dont need to send your claims to CIGNA. This
  means less paperwork for you!
• You have the freedom to choose any health care
  provider that accepts Medicare.
• With the CIGNA Medicare Rx (PDP) plan
• Our expansive drug list includes over 6,000
  medications and the most commonly used drugs for
  Medicare-eligible individuals.
• A broad network of over 60,000 retail pharmacies
  in all 50 states and the District of Columbia
  ensures youll have easy access to pharmacies.
• Or save time and money by getting prescriptions
  delivered directly to your home with CIGNA Home
  Delivery Pharmacy.
• Up to a 90-day supply of your medication mailed
  directly to your home, with savings up to 17 off
  retail.
• Convenient ordering is available by phone,
  online, or by mail.
• Our automatic Refill Reminders will identify any
  prescription thats late for a refill so you
  wont run out.

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Why CIGNA?

• Extra Benefits
• myCIGNA.com secure, online access to information
  and health resources
• CIGNA's Healthy Rewards Program special
  offers and discounts on fitness clubs, dental
  care products, laser vision care, natural
  supplements, everyday health products and more!

The products and services described for Healthy
Rewards are neither covered 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 (PDP) grievance process. Some
Healthy Rewards are not available in all states.