22_GC_FRCG INT_22_XXXXX_C Cigna True Choice Medicare (PPO) See the details of your retiree health benefits plan below. <Date> Hello Frederick County Government retiree, Frederick County Government is offering you an option to enroll in Cigna True Choice Medicare (PPO) as your retiree health benefits plan beginning January 1, 2022. Cigna True Choice Medicare (PPO) is a Medicare Advantage plan. This enrollment will automatically cancel your enrollment in a different Medicare Advantage plan or a Medicare Prescription Drug (Part D) plan. If you think you might be enrolled in a different Medicare Advantage plan or a Medicare Prescription Drug plan, please call the Customer Service number that’s provided at the end of this letter. If you are currently enrolled in one of the AARP/United Healthcare medicare supplemental plans you must contact United Healthcare at 1-866-425-6523 to cancel this coverage. Understanding your Cigna True Choice Medicare (PPO) coverage This mailing includes important information about Cigna True Choice Medicare (PPO) and the coverage it offers, including a summary of benefits document. Please review all the information carefully. If you want to join this Medicare health plan, submit the enrollment form provided by Frederick County Government by November 19, 2021 and your enrollment will begin on January 1, 2022. Our plan will cover services from either in-network or out-of-network providers as long as the services are covered benefits and medically necessary. We encourage but do not require you to get all of your health care from Cigna True Choice Medicare (PPO) providers except for emergency and urgently needed services and out-of-area dialysis services. On the date your coverage with Cigna True Choice Medicare (PPO) begins, you can choose to receive care from any in-network or out-of-network providers as long as they participate in Medicare and accept the plan. Accepting the plan means the doctor is willing to treat you and bill Cigna, even if they are not contracted with Cigna as an in-network Medicare Advantage provider. Unlike many other PPO plans, with this plan, you pay the same cost-share to see an in-network provider or out-of-network provider. Your plan will cover services authorized by Cigna True Choice Medicare (PPO) and other services listed in the Evidence of Coverage document (also known as a member contract or subscriber agreement). You can check your Evidence of Coverage at myCigna.com. Not every service requires authorization. But if you receive a service that needs authorization and do not get it, neither Medicare nor Cigna True Choice Medicare (PPO) will cover the cost. And that means you will be responsible for the entire cost. If you’re unsure if a service needs authorization, you or your provider can call Cigna Customer Service and ask for a coverage decision before the service. That way, you can confirm the service is authorized and covered before you receive it. Retiree Plan Benefits for Frederick County Government
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22_GC_FRCG INT_22_XXXXX_C
Cigna True Choice Medicare (PPO)
See the details of your retiree health benefits plan below.
<Date> Hello Frederick County Government retiree, Frederick County Government is offering you an option to enroll in Cigna True Choice Medicare (PPO) as your retiree health benefits plan beginning January 1, 2022. Cigna True Choice Medicare (PPO) is a Medicare Advantage plan. This enrollment will automatically cancel your enrollment in a different Medicare Advantage plan or a Medicare Prescription Drug (Part D) plan. If you think you might be enrolled in a different Medicare Advantage plan or a Medicare Prescription Drug plan, please call the Customer Service number that’s provided at the end of this letter. If you are currently enrolled in one of the AARP/United Healthcare medicare supplemental plans you must contact United Healthcare at 1-866-425-6523 to cancel this coverage. Understanding your Cigna True Choice Medicare (PPO) coverage This mailing includes important information about Cigna True Choice Medicare (PPO) and the coverage it offers, including a summary of benefits document. Please review all the information carefully. If you want to join this Medicare health plan, submit the enrollment form provided by Frederick County Government by November 19, 2021 and your enrollment will begin on January 1, 2022. Our plan will cover services from either in-network or out-of-network providers as long as the services are covered benefits and medically necessary. We encourage but do not require you to get all of your health care from Cigna True Choice Medicare (PPO) providers except for emergency and urgently needed services and out-of-area dialysis services. On the date your coverage with Cigna True Choice Medicare (PPO) begins, you can choose to receive care from any in-network or out-of-network providers as long as they participate in Medicare and accept the plan. Accepting the plan means the doctor is willing to treat you and bill Cigna, even if they are not contracted with Cigna as an in-network Medicare Advantage provider. Unlike many other PPO plans, with this plan, you pay the same cost-share to see an in-network provider or out-of-network provider. Your plan will cover services authorized by Cigna True Choice Medicare (PPO) and other services listed in the Evidence of Coverage document (also known as a member contract or subscriber agreement). You can check your Evidence of Coverage at myCigna.com. Not every service requires authorization. But if you receive a service that needs authorization and do not get it, neither Medicare nor Cigna True Choice Medicare (PPO) will cover the cost. And that means you will be responsible for the entire cost. If you’re unsure if a service needs authorization, you or your provider can call Cigna Customer Service and ask for a coverage decision before the service. That way, you can confirm the service is authorized and covered before you receive it.
Retiree Plan Benefits for Frederick County Government
You will need to keep Medicare Parts A and B since Cigna True Choice Medicare (PPO) is a Medicare Advantage Planand you can be in only one Medicare Advantage Plan at a time. It is your responsibility to inform Cigna True Choice Medicare (PPO) about any prescription drug coverage that you have or may get in the future. By joining Cigna True Choice Medicare (PPO), you acknowledge this Medicare health plan will release your information to Medicare and other plans when it’s necessary for treatment, payment and health care operations. You also acknowledge that Cigna will release your information, including your prescription drug purchase history, to Medicare. And Medicare may release your information for research and other purposes, which follow all applicable Federal statutes and regulations. You will receive a Cigna True Choice Medicare (PPO) ID card. We encourage but do not require you to use Cigna True Choice Medicare (PPO) network providers to receive care. To find network providers in your area, check your online provider/pharmacy directory at www.CignaMedicare.com or call Customer Service at the number below. Once you are a member of Cigna True Choice Medicare (PPO), you have the right to appeal plan decisions about payment or services. Read the Evidence of Coverage document when you get it from Cigna. The document explains which rules you must follow to get coverage with this Medicare Advantage plan. Enrollment in this plan is generally for the entire year. Enrolling in Cigna True Choice Medicare (PPO) To enroll in this plan, fill out the enrollment form. The enrollment form is located on the Frederick County Government website under the Employment tab and then Retiree Information & Resources. Follow the instructions provided on this page to complete your enrollments through our online form. Choosing not to join Cigna True Choice Medicare (PPO) You are not required to join this plan. You may continue your enrollment under the Cigna OAP plans or the AARP/United Healthcare plan options. You can also decide to join a different Medicare plan, however your Frederick County Retiree subsidy will not apply. For help, call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048. If you decide not to enroll at this time, you may enroll at anytime throughout the year or during annual open enrollment. Leaving Cigna True Choice Medicare (PPO) To disenroll throughout the year you will need to complete a medical change form and submit to Frederick County Human Resources. Cigna True Choice Medicare (PPO) serves people with Medicare in the continental United States, Hawaii, Alaska, the District of Columbia, U.S. Virgin Islands and Puerto Rico. If you move out of the areas that Cigna True Choice Medicare (PPO) serves, you need to notify Frederick County Human Resourcesso you can disenroll and find a new plan in your area. Note: If you leave our plan and don’t have or get other Medicare prescription drug coverage or creditable coverage (as good as Medicare’s), you may have to pay a late enrollment penalty. And that’s in addition to your premium for Medicare prescription drug coverage in the future.
Getting more information about Cigna True Choice Medicare (PPO) Attend one of Frederick County’s virtual information sessions
Location: Virtual Microsoft Teams Meeting
All Benefit Review Date/Time: Wednesday, November 3, 2021 at 1:00pm Wednesday, November 10, 2021 at 9:00am
Medicare Advantage Plan Overview Date/Time: Friday, November 5, 2021 at 9:00am Monday, November 8, 2021 at 11:00am Tuesday, November 16, 2021 at 2:00pm
Visit Frederick County online, following the below instructions to view: Medical/Dental/Vision Summaries Medical/Dental/Vision Enrollment Forms Cigna Medicare Advantage presentation Rate Sheet Vendor Contact Sheet
To attend one of the virtual meetings you may access the Microsoft Teams link on the above dates and times by visiting us online at http://www.frederickcountymd.gov/ and navigate to the Employment page (located on the right hand side of the main page). Click on the Retiree Information & Resources link (located on the left hand side of the page). Then scroll to the bottom of the page to the Health & Dental tab.
Welcoming you to Cigna True Choice Medicare (PPO)
Once you’ve enrolled in Cigna True Choice Medicare (PPO), expect to receive these important materials and helpful communications from Cigna:
› Confirmation of Enrollment letter—verifies you joined Cigna True Choice Medicare (PPO) and serves as your temporary ID.
› ID Card—comes in a separate mailing and identifies you as a Cigna True Choice Medicare (PPO) customer; present it when you go to a health care provider, pharmacy or hospital.
› Welcome Kit—provides you with details about your plan’s benefits. › Welcome Call—gives you a chance to have a one-on-one phone conversation about
your new plan and get answers to any questions you may have. We’re here to help If you have any questions about this Medicare Advantage plan, please call us toll-free at 1-888-281-7867 (TTY 711). Customer Service is available October 1 – March 31, 7 days a week, 8 a.m. – 8 p.m. local time; April 1 – September 30, Monday – Friday, 8 a.m. – 8 p.m.
local time. Our automated phone system may answer your call on weekends, holidays and after hours. Thank you for being a valued Cigna customer. Healthy regards, Cigna
21_GS_H7849_FRCG INT_22_XXXXXX_C
SUMMARY OF BENEFITS 2022 Cigna True Choice Medicare (PPO) January 1, 2022 to Frederick County Government December 31, 2022 H7849 - 803 No referrals required V2A1 TO JOIN You must be entitled to Medicare Part A, be enrolled in Medicare Part B and live in our service area.
Our service area for Cigna True Choice Medicare (PPO) includes the 50 United States, the District of Columbia and all U.S. Territories.
Introduction What’s Inside
❶ About this Plan
❷ Monthly Premium Deductible and Limits
❸ Covered Medical and Hospital Benefits
❹ Prescription Drug Benefits
This Summary of Benefits gives you a summary of what Cigna True Choice Medicare (PPO) covers and what you pay. This information is not a complete description of benefits. Call 1-888-281-7867 (TTY 711) for more information. It doesn’t list every service that we cover or list every limitation or exclusion. To get a complete list of services we cover, refer to the plan’s Evidence of Coverage (EOC) Snapshot online at myCigna.com or call us to request a copy.
Comparing coverage If you want to compare our plan with other Medicare health plans, ask the other plans for their Summary of Benefits. Or, use the Medicare Plan Finder on www.medicare.gov. More about Original Medicare If you want to know more about the coverage and costs of Original Medicare, look in your current “Medicare & You” handbook. View it online at www.medicare.gov or get a copy by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048. Need help? Call toll-free 1-888-281-7867 (TTY 711). Customer Service is available October 1 – March 31, 8 a.m. – 8 p.m. local time, 7 days a week. From April 1 – September 30, Monday – Friday, 8 a.m. – 8 p.m. local time. Our automated phone system may answer your call during weekends, holidays, and after hours. CignaMedicare.com/group/MAresources You can also visit us online to find a provider or pharmacy, view plan information, and more.
Which doctors, hospitals and pharmacies can I use? Cigna True Choice Medicare (PPO) has a network of doctors, hospitals, pharmacies, and other providers. You may also choose to use providers that are out-of-network and there will not be a change to your copay or coinsurance. You must generally use network pharmacies to fill your prescriptions for covered Part D drugs. You can see our plan’s Provider and Pharmacy Directory at our website, CignaMedicare.com/group/MAresources. What do we cover? Like all Medicare health plans, we cover everything that Original Medicare covers-and more.
> Our customers get all of the benefits covered by Original Medicare. > Our customers also get more than what is covered by Original
Medicare. Some of the extra benefits are outlined in this Summary of Benefits.
We cover Part D drugs. In addition, we cover Part B drugs such as chemotherapy and some drugs administered by your provider.
> You can see the plan’s complete Comprehensive Prescription Drug List which lists the Part D prescription drugs along with any restrictions on our website, myCigna.com.
> Or, call us and we will send you a copy of the plan’s Comprehensive Prescription Drug List.
❷ Monthly Premium, Deductible & Limits
Benefit Cigna True Choice Medicare (PPO)
How much is the monthly premium?
Please contact your Plan Sponsor. In addition, you must keep paying your Medicare Part B premium.
How much is the medical deductible?
$0 per year for medical services.
How much is the Prescription Drugs Deductible?
$0 per year for Part D prescription drugs.
Is there any limit on how much I will pay for my covered services?
Original Medicare does not have annual limits on out-of-pocket costs. Your yearly limit(s) in this plan: $0 for services you receive from in-network and out-of-network providers combined for Medicare-covered benefits. This limit is the most you pay for copays, coinsurance and other costs for Medicare services for the year. If you reach the limit on out-of-pocket costs, you keep getting in-network and out-of-network covered hospital and medical services and we will pay the full cost for the rest of the year. Please note that you will still need to pay your monthly premiums and cost-sharing for your Part D prescription drugs.
❸ Covered Medical & Hospital Benefits
Benefit What you Pay
In-Network and Out-of-Network Covered Medical and Hospital Benefits Note: Services with a 1 may require prior authorization.
Inpatient Hospital Coverage1 Our plan covers an unlimited number of days for an inpatient hospital stay. For each Medicare-covered hospital stay, you are required to pay the applicable cost-sharing, starting with Day 1 each time you are admitted.
0% coinsurance per admission
Outpatient Hospital Coverage Ambulatory Surgical Center (ASC)1 0% coinsurance Outpatient Services1 0% coinsurance Outpatient Observation1 0% coinsurance Doctors’ Visits1 Primary Care Physician 0% coinsurance Specialists 0% coinsurance Preventive Care Our plan covers many Medicare-covered preventive services, including: • Abdominal aortic aneurysm screening • Alcohol misuse screening and counseling • Bone mass measurement • Breast cancer screening (mammogram) • Cardiovascular disease (behavioral therapy) • Cardiovascular screenings • Cervical and vaginal cancer screening • Colorectal cancer screenings (Colonoscopy, Fecal occult
• Depression screening • Diabetes screenings • Diabetes self-management training • Glaucoma tests • Hepatitis B Virus (HBV) infection screening • Hepatitis C screening • HIV screening • Lung cancer screening with low dose computed
tomography (LDCT) • Medical nutrition therapy services
$0 copay Any additional preventive services approved by Medicare during the contract year will be covered. Please see your Evidence of Coverage (EOC) for frequency of covered services.
Benefit What you Pay
In-Network and Out-of-Network • Obesity screening and counseling • Prostate cancer screenings (PSA) • Sexually transmitted infections screening and counseling • Smoking and tobacco use cessation counseling
(counseling for people with no sign of tobacco-related disease)
• Vaccines; including COVID-19, Flu shots, Hepatitis B shots, Pneumococcal shots
• “Welcome to Medicare” preventive visit (one-time) • Yearly “Wellness” visit Emergency Care Emergency Care Services 0% coinsurance Worldwide Emergency/Urgent Coverage/Emergency Transportation
0% coinsurance Maximum worldwide coverage amount $50,000
Urgently Needed Services Urgent Care Services 0% coinsurance
Diagnostic services, Labs & Imaging (Costs for these services may vary based on place of service) Diagnostic Procedures and Tests1 0% coinsurance Lab Services1
For COVID-19 testing a prior authorization is not required. $0 copayment
Therapeutic Radiological Services1 0% coinsurance X-ray Services1 0% coinsurance in a Primary Care Physician office
0% coinsurance in a Specialist office 0% coinsurance in other outpatient locations
Hearing Services Hearing Exams (Medicare-covered) A separate physician cost-share will apply if additional services requiring cost-sharing are rendered.
$0 copayment for Medicare-covered hearing exams
Routine Hearing Exams
$0 copayment for one routine exam every year
Hearing Aid Evaluation/Fitting
$0 copayment for one fitting evaluation per hearing aid every year
Hearing Aids $0 copayment up to plan maximum coverage amount for hearing aids of $2,000 per ear per device every three years.
Benefit What you Pay
In-Network and Out-of-Network Dental Services Dental Services (Medicare-Covered)1
Limited dental services (this does not include services in connection with care, treatment, filling removal or replacement of teeth)
$0 copayment
Vision Services Eye Exams (Medicare-covered) A separate physician cost-share will apply if additional services requiring cost-sharing are rendered. A facility cost-share may apply for procedures performed at an outpatient surgical center.
$0 copayment for diabetic retinal exams and all other Medicare-covered vision services.
Routine Eye Exam $0 copayment for one routine exam every year Glaucoma Screening (Medicare-covered) $0 copayment Eyewear (Medicare-covered) $0 copayment
$0 copayment up to plan maximum coverage amount of $200 every year The plan specified allowance may be applied to one set of the customer’s choice of eyewear once per year, to include the eyeglass frame/lenses/lens options combination or contact lenses (to include related professional fees) in lieu of eyeglasses.
Mental Health Services Inpatient1 Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. Our plan also covers 60 “lifetime reserve days”. These are “extra” days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days. For each Medicare-covered hospital stay, you are required to pay the applicable cost-sharing, starting with Day 1 each time you are admitted.
0% coinsurance per admission
Outpatient1 Individual or Group Therapy Visit
$0 copayment
Skilled Nursing Facility (SNF)1 Our plan covers up to 100 days in the SNF. 0% coinsurance per day for days 1–100
In-Network and Out-of-Network Physical Therapy and Speech and Language Therapy Services1
0% coinsurance
Physical Therapy, Speech and Language Therapy Telehealth Services1
$0 copayment
Ambulance1 Ground Service (one-way trip) 0% coinsurance Air Service (one-way trip) 0% coinsurance Transportation1 Not covered
Prescription Drugs Medicare Part B Drugs1
Medicare-covered Part B Drugs may be subject to step therapy requirements.
0% coinsurance This plan has Part D prescription drug coverage. See Section 4 in this Summary of Benefits.
Foot Care (Podiatry Services) Medicare-covered Podiatry Services 0% coinsurance Routine Podiatry Services Not covered
Medical Equipment & Supplies Durable Medical Equipment (wheelchairs, oxygen, etc.)1 0% coinsurance Prosthetic Devices (braces, artificial limbs, etc.) and Related Medical Supplies1
0% coinsurance
Diabetes Supplies & Services1 Brand limitations apply to certain supplies
0% coinsurance for diabetes self-management training 0% coinsurance for therapeutic shoes or inserts 0% coinsurance for diabetes monitoring supplies.
Fitness & Wellness Programs Fitness Program The program offers the flexibility of a fitness center memberships, digital fitness tools, and a home fitness kit.
$0 copayment
24-Hour Health Information Line Talk one-on-one with a Nurse Advocate* to get timely answers to your health-related questions at no additional cost, anytime day or night. *Nurse Advocates hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice in any capacity as a health advocate.
In-Network and Out-of-Network Hospice Hospice care must be provided by a Medicare-certified hospice program Our plan covers hospice consultation services (one-time only) before you select hospice. Hospice is covered outside of our plan. You may have to pay part of the cost for drugs and respite care. Please contact the plan for more details.
0% coinsurance
Outpatient Substance Abuse1 Individual or Group Therapy Visit 0% coinsurance Opioid Treatment Services1 FDA-approved treatment medications in addition to testing, counseling and therapy.
0% coinsurance
Over-the-Counter Items (OTC)
Not Covered Home Delivered Meals $0 copay
Limited to 14 meals per discharge from qualified hospital stay or skilled nursing facility (up to three stays per year), ESRD care management is limited to 56 meals per benefit period.* *Authorization applies to ESRD meals.
Telehealth Services (Medicare-Covered) For nonemergency care, talk with a telehealth doctor via phone or video for certain telehealth services, including: allergies, cough, headache, sore throat and other minor illnesses.
0% coinsurance
Acupuncture Acupuncture Services (Medicare-covered)1 Services for chronic lower back pain.
0% coinsurance
Supplemental Acupuncture Services Not Covered
Additional Benefits Enjoy these extra benefits included in your plan. Annual Physical Exam1 $0 copay Wigs for Hair Loss Due to Cancer Treatment $350 allowance
❹ Prescription Drug Benefits
Benefit Cigna True Choice Medicare (PPO)
Prescription Drug Benefits
Medicare Part D Drugs Initial Coverage (after you pay your deductible, if applicable) Tier 1: Preferred Generic Drugs Tier 2: Generic Drugs Tier 3: Preferred Generic and Brand Drugs Tier 4: Specialty Generic and Brand Drugs
The following chart shows the cost-sharing amounts for covered drugs under this plan. After you pay your yearly deductible (if applicable), you pay the following until your total yearly drug costs reach $4,430. Total yearly drug costs are the total drug costs paid by both you and our plan.
Your costs may be different if you qualify for Extra Help. Your copay or coinsurance is based on the drug tier for your medication, which you can find in the Plan Prescription drug List (Formulary) included in this mailing or on our website myCigna.com. Or, call us and we will send you a copy of the formulary.
Benefit Cigna True Choice Medicare (PPO)
Coverage Gap Tier 1: Preferred Generic Drugs Tier 2: Generic Drugs Tier 3: Preferred Generic and Brand Drugs Tier 4: Specialty Generic and Brand Drugs
Most Medicare drug plans have a coverage gap (also called the “Donut Hole”). This means that there is a temporary change in what you will pay for your drugs. The coverage gap begins after the total yearly drug cost (including what our plan has paid and what you have paid) reaches $4,430. Not everyone will enter the Coverage Gap. After you enter the Coverage Gap, you pay the amounts in the table below for covered drugs until your costs total $7,050, which is the end of the Coverage Gap.
Catastrophic Coverage After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) have reached $7,050, the plan will pay most of the cost for your drugs. Your share of the cost of covered drugs will be the lesser of the Coverage Gap amount or the Standard Part D coverage which is the greater of: 5% of the cost
- or - $3.95 copayment for generic (including brand drugs treated as generic) and $9.85 copayment for all other drugs.
Out-of-Network If you get your drug at an out-of-network pharmacy, you will pay the same cost share you would pay for a 30-day supply at an in-network retail pharmacy. If you reside in a long-term care facility, you would pay the standard retail cost-sharing at an in-network pharmacy.
Benefit Cigna True Choice Medicare (PPO)
Additional Benefits Offered
Erectile Dysfunction^ Cough & Cold Preps Prescription Vitamins Fertility Drugs Weight Loss / Weight Gain
Your plan covers additional drugs not normally covered in a Medicare Prescription Drug Plan as indicated in the Formulary Drug List by the + symbol. Please see your 2022 Formulary document for details. The cost-share you pay on these drugs do not count toward your annual TrOOP. ^Sexual dysfunction medications are subject to prior authorization and quantity limitations even though these limitations may be waived in other treatment categories. Please review your 2022 formulary for more information.
Preventive Generic Drugs $0 copay
CLINICAL MANAGEMENT EDITS Your plan includes the following clinical management edits. Refer to your 2022 Formulary for more information.
Prior Authorization This drug requires prior authorization.
Quantity Limits This drug has quantity limits.
Step Therapy This drug has step therapy requirements.
*
Opioid medication available as a 7-day supply or less for first time opioid user. For continued use this drug may only be available as a month supply.
+ This prescription drug is not normally covered in a Medicare Prescription Drug Plan. The amount you pay when you fill a prescription for this drug does not count towards your total drug costs (that is, the amount you pay does not help you qualify for catastrophic coverage). In addition, if you are receiving extra help to pay for your prescriptions, you will not get any extra help to pay for this drug.
^ This prescription drug has an administrative prior authorization requirement that is not waived. This drug may be covered under different benefits depending on circumstances.
HRM PA This high risk medication requires prior authorization
B/D PA
This prescription drug has a Part B versus D administrative prior authorization requirement. This drug may be covered under Medicare Part B or D depending on circumstances.
LA Limited Availability drug. This drug may be available only at certain pharmacies.
Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Cigna True Choice Medicare (PPO) For detailed descriptions of the tables included in this document, please see Chapter 4 and Chapter 6 in your Evidence of Coverage booklet. You can view a copy of the Evidence of Coverage online at cigna.com/static/www-cigna-com/docs/medicare/plans-services/2022/eoc-cigna-true-choice-medicare-with-rx-ppo-egwp.pdf. Please note: This booklet gives you the details about your Medicare health care and prescription drug coverage from January 1, 2022 – December 31, 2022. It explains how to get coverage for the health care services and prescription drugs you need. This is an important legal document. Please keep it in a safe place. This plan, Cigna True Choice Medicare (PPO), is offered by Cigna. When this Evidence of Coverage Snapshot says “we,” “us,” or “our,” it means Cigna. When it says “plan” or “our plan,” it means Cigna True Choice Medicare (PPO). To get information from us in a way that works for you, please call Member Service (phone numbers are printed on the back cover of this booklet). We can give you information in Braille, in large print, and other alternate formats if you need it. Benefits, deductible, and/or copayments/coinsurance may change on January 1, 2023. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.
January 1 – December 31, 2022
Evidence Of Coverage Snapshot
Frederick County Government H7849 – 803_V2A1
Help is always here. If you have any questions, customer service is here to help. We go above and beyond to make sure you have everything you need to understand and get the most from your plan. 1-888-281-7867 (TTY 711) October 1 – March 31, 7 days a week, 8 a.m. – 8 p.m. local time; April 1 – September 30, Monday – Friday, 8 a.m. – 8 p.m. local time. Our automated phone system may answer your call on weekends, holidays and after hours. Customer service also has free language interpreter services available for non-English speakers. CignaMedicare.com/group/MAresources You can also visit us online at to find a provider or pharmacy, view plan information, and more.
This document provides you with cost share information for your Medical Benefits and your Part D prescription drugs. For more detailed information please refer to Chapters 4 and 6 of your 2022 Evidence of Coverage. Medical Benefits Chart (what is covered and what you pay).................................................................................................... 3
Gives the details about which types of medical care are covered for you as a member of our plan. Explains how much you will pay as your share of the cost for your covered medical care.
What you pay for your Part D prescription drugs ................................................................................................................... 24 Tells about the three stages of drug coverage. (Initial Coverage Stage, Coverage Gap Stage, Catastrophic Coverage Stage) and how these stages affect what you pay for your drugs. Explains the 4 cost-sharing tiers for your Part D drugs and tells what you must pay for a drug in each cost-sharing tier.
Our service area for Cigna True Choice Medicare (PPO) includes the 50 United States, the District of Columbia and all U.S. territories. If you plan to move out of the service area, please contact Member Service (phone numbers are printed on the back page of this document). When you move, you will have a Special Enrollment Period that will allow you to switch to Original Medicare or enroll in a Medicare health or drug plan that is available in your new location.
3
SECTION 1. Medical Benefits Chart (what is covered and what you pay)
Benefit Cigna True Choice Medicare (PPO)
Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services
How much is the monthly premium?
Please contact your Plan Sponsor. In addition, you must keep paying your Medicare Part B premium.
How much is the prescription drug deductible?
$0 per year for Part D prescription drugs
Is there any limit on how much I will pay for my covered services?
Yes. Like all Medicare health plans, our plan protects you by having yearly limits on your out-of-pocket costs for medical and hospital care. Your yearly limit(s) in this plan: $0 which applies to in-network and out-of-network Medicare-covered benefits combined The amounts you pay for copayments and coinsurance for covered services from in and out-of-network providers count toward this in‑network maximum out‑of‑pocket amount. (The amounts you pay for Part D prescription drugs and services from out‑of‑network providers do not count toward your in‑network maximum out‑of‑pocket amount. In addition, amounts you pay for some services do not count toward your maximum out‑of‑pocket amount. These services are italicized in the Medical Benefits Chart.) If you have paid $0 for covered Part A and Part B services from in and out-of-network providers, you will not have any out‑of‑pocket costs for the rest of the year. However, you must continue to pay the Medicare Part B premium (unless your Part B premium is paid for you by Medicaid or another third party). Please note that you will still need to pay your monthly premiums and cost-sharing for your Part D prescription drugs.
The table below provides you with your medical benefits and cost as a member of the plan. Please refer to Chapter 4, Section 2 for detailed information on the medical benefits chart below.
You will see this apple next to the preventive services in the benefits chart.
Medical Services that are covered for you What you must pay when you get these medical services
COVID-19 Coverage and Information As Cigna continues to respond to the global spread of COVID-19, your safety and well-being are priorities to us. Visit our COVID-19 Resource Center and Cigna.com/Coronavirus for the most-up-to-date information on care and coverage
4
Medical Services that are covered for you What you must pay when you get these medical services
(testing, diagnosis, and treatment). Click on the “Medicare and Medicaid Members’ button for Medicare coverage information.
Abdominal aortic aneurysm screening A one-time screening ultrasound for people at risk. The plan only covers this screening if you have certain risk factors and if you get an order for it from your physician, physician assistant, nurse practitioner, or clinical nurse specialist.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for beneficiaries eligible for this preventive screening.
Acupuncture for chronic low back pain Covered services include: Up to 12 visits in 90 days are covered for Medicare beneficiaries under the following circumstances: For the purpose of this benefit, chronic low back pain is defined as: • Lasting 12 weeks or longer • Nonspecific, in that it has no identifiable systemic cause (i.e., not associated
with metastatic, inflammatory, infections, etc. disease) • Not associated with surgery; and • Not associated with pregnancy. An additional eight sessions will be covered for those patients demonstrating an improvement. No more than 20 acupuncture treatments may be administered annually. Treatment must be discontinued if the patient is not improving or is regressing. Provider Requirements: Physicians (as defined in 1861(r)(1) of the Social Security Act (the Act) may furnish acupuncture in accordance with applicable state requirements. Physician assistants (PAs), nurse practitioners (NPs)/clinical nurse specialists (CNSs) (as identified in 1861(aa)(5) of the Act), and auxiliary personnel may furnish acupuncture if they meet all applicable state requirements and have: • a masters or doctoral level degree in acupuncture or Oriental Medicine from
a school accredited by the Accreditation Commission on Acupuncture and Oriental Medicine (ACAOM); and,
• a current, full, active, and unrestricted license to practice acupuncture in a State, Territory, or Commonwealth (i.e. Puerto Rico) of the United States, or District of Columbia.
Auxiliary personnel furnishing acupuncture must be under the appropriate level of
Authorization rules may apply In-Network and Out-of-Network 0% coinsurance for each Medicare covered acupuncture visit.
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Medical Services that are covered for you What you must pay when you get these medical services
supervision of a physician, PA, or NP/CNS required by our regulations at 42 CFR §§ 410.26 and 410.27.
Additional telehealth services; Physical therapy and Speech and Language Pathology Covered services include: virtual physical therapy and virtual speech language therapy
Authorization rules may apply. 0% coinsurance for Medicare-covered virtual Physical Therapy 0% coinsurance for Medicare-covered virtual Speech and Language Pathology
Ambulance services • Covered ambulance services include fixed wing, rotary wing, and ground
ambulance services, to the nearest appropriate facility that can provide care only if they are furnished to a member whose medical condition is such that other means of transportation could endanger the person’s health or if authorized by the plan.
• Non-emergency transportation by ambulance is appropriate if it is documented that the member’s condition is such that other means of transportation could endanger the person’s health and that transportation by ambulance is medically required.
Authorization required for non-emergency ambulance services. In-Network and Out-of-Network 0% coinsurance for each one-way Medicare-covered ambulance trip
Annual physical exam The annual physical is an extensive physical exam including a medical history collection and it may also include any of the following: vital signs, observation of general appearance, a head and neck exam, a heart and lung exam, an abdominal exam, a neurological exam, a dermatological exam, and an extremities exam. Coverage for this benefit is in addition to the Medicare-covered annual wellness visit and the “Welcome to Medicare” Preventive Visit. Limited to one physical exam per year. Separate cost-sharing amounts may apply to any additional lab or diagnostic procedures that are ordered during the annual physical exam.
In-Network and Out-of-Network $0 copayment for annual physical exam
Annual wellness visit If you’ve had Part B for longer than 12 months, you can get an annual wellness visit to develop or update a personalized prevention plan based on your current health and risk factors. This is covered once every 12 months. Note: Your first annual wellness visit can’t take place within 12 months of your “Welcome to Medicare” preventive visit. However, you do not need to have had a “Welcome to Medicare” visit to be covered for annual wellness visits after you’ve had Part B for 12 months.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the annual wellness visit. A separate copay may apply if a non-preventive screening lab test or other non-preventive services are provided at the time of an annual wellness visit.
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Medical Services that are covered for you What you must pay when you get these medical services
Bone mass measurement For qualified individuals (generally, this means people at risk of losing bone mass or at risk of osteoporosis), the following services are covered every 24 months or more frequently if medically necessary: procedures to identify bone mass, detect bone loss, or determine bone quality, including a physician’s interpretation of the results.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for Medicare-covered bone mass measurement
Breast cancer screening (mammograms) Covered services include: • One baseline mammogram between the ages of 35 and 39 • One screening mammogram every 12 months for women age 40 and older • Clinical breast exams once every 24 months
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for covered screening mammograms.
Cardiac rehabilitation services Comprehensive programs of cardiac rehabilitation services that include exercise, education, and counseling are covered for members who meet certain conditions with a doctor’s order. The plan also covers intensive cardiac rehabilitation programs that are typically more rigorous or more intense than cardiac rehabilitation programs.
Authorization rules apply. In-Network and Out-of-Network 0% coinsurance for each Medicare-covered cardiac rehabilitative therapy visit 0% coinsurance for each Medicare-covered intensive cardiac rehabilitative therapy visit You will have one copayment when multiple therapies are provided on the same date and at the same place of service.
Cardiovascular disease risk reduction visit (therapy for cardiovascular disease) We cover one visit per year with your primary care doctor to help lower your risk for cardiovascular disease. During this visit, your doctor may discuss aspirin use (if appropriate), check your blood pressure, and give you tips to make sure you’re eating healthy.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the intensive behavioral therapy cardiovascular disease preventive benefit.
Cardiovascular disease testing Blood tests for the detection of cardiovascular disease (or abnormalities associated with an elevated risk of cardiovascular disease) once every 5 years (60 months).
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for cardiovascular disease testing that is covered once every 5 years.
Cervical and vaginal cancer screening In-Network and Out-of-Network
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Medical Services that are covered for you What you must pay when you get these medical services
Covered services include: • For all women: Pap tests and pelvic exams are covered once every 24 months • If you are at high risk of cervical or vaginal cancer or you are of childbearing
age and have had an abnormal Pap test within the past 3 years one Pap test every 12 months
There is no coinsurance, copayment, or deductible for Medicare-covered preventive Pap and pelvic exams.
Chiropractic services Covered services include: • We cover only manual manipulation of the spine to correct subluxation (when
one or more of the bones of your spine move out of position) if you get it from a chiropractor.
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for each Medicare-covered chiropractic visit
Colorectal cancer screening For people 50 and older, the following are covered: • Flexible sigmoidoscopy (or screening barium enema as an alternative) every 48
months One of the following every 12 months: • Guaiac-based fecal occult blood test (gFOBT) • Fecal immunochemical test (FIT) DNA based colorectal screening every 3 years. Certain DNA screenings have criteria to qualify for testing. Please discuss screening options with your physician. For people at high risk of colorectal cancer, we cover: • Screening colonoscopy (or screening barium enema as an alternative) every 24
months For people not at high risk of colorectal cancer, we cover: • Screening colonoscopy every 10 years (120 months), but not within 48 months
of a screening sigmoidoscopy In addition to Medicare-covered colorectal cancer screening exams, we cover Medicare-covered diagnostic exams and any surgical procedures (i.e. polyp removal) during a colorectal screening for a $0 copayment.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for a Medicare-covered colorectal cancer screening exam.
Dental services In general, preventive dental services (such as cleaning, routine dental exams, and dental X-rays) are not covered by Original Medicare.
An authorization is required for non-emergency Medicare-covered services. In-Network and Out-of-Network $0 copayment for Medicare-covered dental services
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Medical Services that are covered for you What you must pay when you get these medical services
Depression screening We cover one screening for depression per year. The screening must be done a primary care setting that can provide follow-up treatment and orders.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for an annual depression screening visit.
Diabetes screening We cover this screening (includes fasting glucose tests) if you have any of the following risk factors: high blood pressure (hypertension), history of abnormal cholesterol and triglyceride levels (dyslipidemia), obesity, or a history of high blood sugar (glucose). Tests may also be covered if you meet other requirements, like being overweight and having a family history of diabetes. Based on the results of these tests, you may be eligible for up to two diabetes screenings every 12 months.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the Medicare-covered diabetes screening tests.
Diabetes self-management training, diabetic services and supplies For all people who have diabetes (insulin and non-insulin users). Covered services include: • Supplies to monitor your blood glucose: Blood glucose monitor, blood glucose
test strips. • Lancet devices and lancets, and glucose-control solutions for checking the
accuracy of test strips and monitors. • For people with diabetes who have severe diabetic foot disease: One pair per
calendar year of therapeutic custom-molded shoes (including inserts provided with such shoes) and two additional pairs of inserts, or one pair of depth shoes and three pairs of inserts (not including the non-customized removable inserts provided with such shoes). Coverage includes fitting.
• Diabetes self-management training is covered under certain conditions. Note: Syringes and needles are covered under our Part D benefit. Please refer to Chapter 6 of the Evidence of Coverage for cost-sharing information.
Authorization rules may apply In-Network and Out-of-Network 0% coinsurance for Medicare-covered diabetic monitoring supplies. Preferred brand diabetic test strips, monitors and continuous glucose monitoring devices are covered at $0. Non-preferred brand diabetic test strips, monitors and continuous glucose monitoring devices may be covered in medically necessary situations. 0% coinsurance applies to other monitoring supplies (e.g., lancets). You are eligible for one glucose monitor and one continuous glucose monitoring device every two years. You are also eligible for 200 glucose test strips or three sensors per 30-day period depending on your monitor. 0% coinsurance for Medicare-covered therapeutic shoes and inserts 0% coinsurance for Medicare-covered diabetes self-management training
Durable medical equipment and related supplies Authorization rules may apply.
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Medical Services that are covered for you What you must pay when you get these medical services
(For a definition of “durable medical equipment,” see Chapter 12 of the Evidence of Coverage booklet.) Covered items include, but are not limited to: wheelchairs, crutches, powered mattress systems, diabetic supplies, hospital beds ordered by a provider for use in the home, IV infusion pumps, speech generating devices, oxygen equipment, nebulizers, and walkers. We cover all medically necessary DME covered by Original Medicare. If our supplier in your area does not carry a particular brand or manufacturer, you may ask them if they can special order it for you. The most recent list of suppliers is available on our website at CignaMedicare.com/group/MAresources.
In-Network and Out-of-Network 0% coinsurance for Medicare-covered items
Emergency care Emergency care refers to services that are: • Furnished by a provider qualified to furnish emergency services, and • Needed to evaluate or stabilize an emergency medical condition. A medical emergency is when you, or any other prudent layperson with an average knowledge of health and medicine, believe that you have medical symptoms that require immediate medical attention to prevent loss of life, loss of a limb, or loss of function of a limb. The medical symptoms may be an illness, injury, severe pain, or a medical condition that is quickly getting worse. Cost-sharing for necessary emergency services out-of-network is the same as for such services furnished in-network. Observation services are hospital outpatient services given to help the doctor decide if the patient needs to be admitted as an inpatient or discharged. Observation services may be given in the emergency department or another area of the hospital. For information about the observation services cost-sharing, please see the Outpatient hospital observation section of this Evidence of Coverage. Emergency care is covered worldwide.
In-Network and Out-of-Network 0% coinsurance for Medicare-covered emergency room visits 0% coinsurance for worldwide emergency room visits and worldwide emergency transportation $50,000 (USD) combined limit per year for emergency and urgent care services provided outside the U.S. and it territories. Emergency transportation must be medically necessary.
Health and wellness education programs Health Information Line Use Cigna's 24-Hour Health Information Line to talk one-on-one with a Nurse Advocate*. We’re available every day of the year to provide health-related education, guidance, and support. You can also call to listen to recorded audio tapes from our Health Information Library. The Cigna Health Information Line is not a substitute for calling 911. If you are experiencing a health care emergency, please call 911 or go to your nearest emergency room. To access Cigna's 24-Hour Health Information Line, call 1-866-576-8773 (TTY 711)
$0 copayment for these health and wellness programs: – 24 Hour Health Information Line – HealthWise – Membership in Health Club/Fitness Classes
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Medical Services that are covered for you What you must pay when you get these medical services
* These Nurse Advocates hold current nursing licensure in a minimum of one state but are not practicing nursing or providing medical advice in any capacity as a health advocate. HealthWise You will have access to video and written content on a variety of health and wellness topics through the Cigna Medicare Website. Fitness The fitness benefit provides several options to help you stay active. You are eligible for a fitness facility membership at a participating fitness location where you can take advantage of exercise equipment location amenities and, where available, group exercise classes tailored to meet the needs of older adults. You will receive orientation to the facility and equipment. If you prefer to exercise in the privacy of your home, you can select one Home Fitness Kit per benefit year from a variety of kit options. You can also take advantage of the Get Started program to receive a personal exercise plan; access thousands of digital workout videos available on the program’s website and mobile app; get one-on-one Health Aging Coaching by phone; track your fitness activity; and enjoy many other digital resources. Non-standard services that call for an added fee are not part of the fitness program and will not be reimbursed. For more information on your fitness benefit, please refer to the Cigna Member Handbook or contact Cigna's fitness vendor at 1-888-886-1992 (TTY 711).
Hearing services Diagnostic hearing and balance evaluations performed by your provider to determine if you need medical treatment are covered as outpatient care when furnished by a physician, audiologist, or other qualified provider. Supplemental benefits cover: ● up to 1 routine hearing exam every year ● fitting evaluation for a hearing aid(s) ● hearing aid(s) Hearing aid evaluations are part of the routine hearing exam once every three years. Multiple fittings are allowed with the original provider if necessary to ensure hearing aids are accurately fitted. A routine hearing exam needs to be performed prior to hearing aids being dispensed. Hearing aid devices are limited to those worn externally and do not include assisted listening devices, amplifiers or disposable devices. Routine hearing exams and supplemental hearing aids should be obtained from a provider in Cigna's hearing vendor network. A 60-day evaluation period is granted to determine the effectiveness of a hearing aid. A 4-year supply of
A separate PCP/Specialist cost -share will apply if additional services requiring cost-sharing are rendered. In-Network and Out-of-Network 0% coinsurance for Medicare-covered Hearing Exams. $0 copayment for 1 routine hearing test every year $0 copayment for fitting evaluations on hearing aids $2,000 allowance per hearing aid device per ear every three years. Members are responsible for all costs over and above the allowance amount.
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Medical Services that are covered for you What you must pay when you get these medical services
batteries (up to 256 cells per hearing aid) is included with a hearing aid that is acquired through Cigna's hearing vendor. For more information on your supplemental hearing benefits, please refer to your plan’s Member Handbook or contact Cigna’s hearing vendor at 1-866-872-1001 (TTY 711).
HIV screening For people who ask for an HIV screening test or who are at increased risk for HIV infection, we cover: • One screening exam every 12 months For women who are pregnant, we cover: • Up to three screening exams during a pregnancy
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for beneficiaries eligible for Medicare-covered preventive HIV screening.
Home-delivered meals When released from an inpatient hospital stay or skilled nursing facility, you can get 14 healthy frozen meals delivered to your home. You will receive a call from the plan’s meal provider to schedule delivery. This benefit is available up to 3 times each year. Releases from an emergency department, observation stay or outpatient visit are not eligible. For more information on your home-delivered meals benefit, please refer to Cigna's Member Handbook or call Member Service (phone numbers are listed on the back cover of this booklet). Meals for ESRD members Members diagnosed with End-Stage Renal Disease (ESRD) and enrolled in an ESRD care management program can get up to 56 healthy frozen meals delivered to their home.* Members are eligible for this benefit once per year. Members meeting this requirement will receive a call from Cigna's meal provider to schedule delivery. Authorization and/or referral applies to ESRD meals.
$0 copayment for the home-delivered meals benefit. $0 copayment for 56 meals over 28 days, once each year for ESRD members
Home health agency care Prior to receiving home health services, a doctor must certify that you need home health services and will order home health services to be provided by a home health agency. You must be homebound, which means leaving home is a major effort. Covered services include, but are not limited to: • Part-time or intermittent skilled nursing and home health aide services (To be
covered under the home health care benefit, your skilled nursing and home
Authorization rules may apply. In-Network and Out-of-Network $0 copayment for Medicare-covered home health visits
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Medical Services that are covered for you What you must pay when you get these medical services
health aide services combined must total fewer than 8 hours per day and 35 hours per week)
• Physical therapy, occupational therapy, and speech therapy • Medical and social services • Medical equipment and supplies
Home infusion therapy Home infusion therapy involves the intravenous or subcutaneous administration of drugs or biologicals to an individual at home. The components needed to perform home infusion include the drug (for example, antivirals, immune globulin), equipment (for example, a pump), and supplies (for example, tubing and catheters). Covered services include, but are not limited to: • Professional services, including nursing services, furnished in accordance
with the plan of care • Patient training and education not otherwise covered under the durable
medical equipment benefit • Remote monitoring • Monitoring services for the provision of home infusion therapy and home
infusion drugs furnished by a qualified home infusion therapy supplier.
You pay the applicable cost sharing for each service obtained. Please refer to the Durable medical equipment and related supplies and Medicare Part B Prescription Drugs benefit listings for related cost share amounts.
Hospice care You may receive care from any Medicare-certified hospice program. You are eligible for the hospice benefit when your doctor and the hospice medical director have given you a terminal prognosis certifying that you’re terminally ill and have 6 months or less to live if your illness runs its normal course. Your hospice doctor can be a network provider or an out-of-network provider. Covered services include: • Drugs for symptom control and pain relief • Short-term respite care • Home care For hospice services and for services that are covered by Medicare Part A or B and are related to your terminal prognosis: Original Medicare (rather than our plan) will pay for your hospice services and any Part A and Part B services related to your terminal prognosis. While you are in the hospice program, your hospice provider will bill Original Medicare for the services that Original Medicare pays for. For services that are covered by Medicare Part A or B and are not related to your terminal prognosis: If you need non-emergency, non-urgently needed services that are covered under Medicare Part A or B and that are not related to your
When you enroll in a Medicare-certified hospice program, your hospice services and your Part A and Part B services related to your terminal prognosis are paid for by Original Medicare, not our plan. You must get care from a Medicare-certified hospice. You must consult with your plan before you select hospice. Hospice Consultation You pay the applicable cost-sharing for the provider of the service (for example, physician services). Please refer to the applicable benefit in this section of this Evidence of Coverage.
13
Medical Services that are covered for you What you must pay when you get these medical services
terminal prognosis, your cost for these services depends on whether you use a provider in our plan’s network: • If you obtain the covered services from a network provider, you only pay the
plan cost-sharing amount for in-network services • If you obtain the covered services from an out-of-network provider, you pay
the cost-sharing for out-of-network services For services that are covered by our plan but are not covered by Medicare Part A or B: Our plan will continue to cover plan-covered services that are not covered under Part A or B whether or not they are related to your terminal prognosis. You pay your plan cost-sharing amount for these services. For drugs that may be covered by the plan’s Part D benefit: Drugs are never covered by both hospice and our plan at the same time. For more information, please see Chapter 5, Section 9.4 (What if you’re in Medicare-certified hospice). Note: If you need non-hospice care (care that is not related to your terminal prognosis), you should contact us to arrange the services. Our plan covers hospice consultation services (one time only) for a terminally ill person who hasn’t elected the hospice benefit.
Immunizations Covered Medicare Part B services include: • Pneumonia vaccine • Flu shots, each fly season in the fall and winter, with additional flu shots if
medically necessary. • Hepatitis B vaccine if you are at high or intermediate risk of getting Hepatitis
B • COVID-19 vaccine • Other vaccines if you are at risk and they meet Medicare Part B coverage
rules We also cover some vaccines under our Part D prescription drug benefit.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the pneumonia, influenza, Hepatitis B, and COVID-19 vaccines.
Inpatient hospital care Includes inpatient acute, inpatient rehabilitation, long-term care hospitals and other types of inpatient hospital services. Inpatient hospital care starts the day you are formally admitted to the hospital with a doctor’s order. The day before you are discharged is your last inpatient day. Our plan covers an unlimited number of days for an inpatient hospital stay. Covered services include but are not limited to: • Semi-private room (or a private room if medically necessary) • Meals including special diets • Regular nursing services • Costs of special care units (such as intensive care or coronary care units)
Authorization rules may apply. In-Network and Out-of-Network Except in an emergency, your doctor must tell the plan that you are going to be admitted to the hospital. For each Medicare-covered hospital stay, your copayment is:
- 0% coinsurance per admission For each Medicare-covered hospital stay, you are required to pay the applicable cost-sharing starting with Day
14
Medical Services that are covered for you What you must pay when you get these medical services
• Drugs and medications • Lab tests • X-rays and other radiology services • Necessary surgical and medical supplies • Use of appliances, such as wheelchairs • Operating and recovery room costs • Physical, occupational, and speech language therapy • Inpatient substance abuse services • Under certain conditions, the following types of transplants are covered:
corneal, kidney, kidney-pancreatic, heart, liver, lung, heart/lung, bone marrow, stem cell, and intestinal/multivisceral. If you need a transplant, we will arrange to have your case reviewed by a Medicare-approved transplant center that will decide whether you are a candidate for a transplant. Transplant providers may be local or outside of the service area. If our in-network transplant services are outside the community pattern of care, you may choose to go locally as long as the local transplant providers are willing to accept the Original Medicare rate,. If our plan provides transplant services at a location outside the pattern of care for transplants in our community and you choose to obtain transplants at this distant location, we will arrange or pay for appropriate lodging and transportation costs for you and a companion.
• Blood - including storage and administration. Coverage of whole blood and packed red cells begins with the first pint of blood that you need. All other components of blood are covered beginning with the first pint used.
• Physician services Note: To be an inpatient, your provider must write an order to admit you formally as an inpatient of the hospital. Even if you stay in the hospital overnight, you might still be considered an “outpatient.” If you are not sure if you are an inpatient or an outpatient, you should ask the hospital staff. You can also find more information in a Medicare fact sheet called “Are You a Hospital Inpatient or Outpatient? If You Have Medicare – Ask!” This fact sheet is available on the Web at http://www.medicare.gov/Publications/Pubs/pdf/11435.pdf or by calling 1-800-MEDICARE (1-800-633-4227). TTY users call 1-877-486-2048. You can call these numbers for free, 24 hours a day, 7 days a week.
1 each time you are admitted. Cost-sharing does not apply on day of discharge. Our plan covers an unlimited number of days for a Medicare-covered hospital stay. If readmitted within 24 hours for the same diagnosis the benefit will continue from original admission. You may not owe any additional copayments. In some instances, readmission within 30-days may result in continuation of benefits from the original admission, pending quality medical review by Cigna.
Inpatient mental health care Covered services include mental health care services that require a hospital stay. Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental services provided in a general hospital.
Authorization rules may apply. In-Network and Out-of-Network Except in an emergency, your doctor must tell the plan that you are going to be admitted to the hospital.
Medical Services that are covered for you What you must pay when you get these medical services
For each Medicare-covered hospital stay, your copayment is:
- 0% coinsurance per admission For each Medicare-covered hospital stay, you are required to pay the applicable cost-sharing, starting with Day 1 each time you are admitted. Cost sharing does not apply on day of discharge. Our plan also covers 60 “lifetime reserve days.” These are “extra” days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days. There is a $0 copayment per lifetime reserve day.
Inpatient stay: Covered services received in a hospital or SNF during a non-covered inpatient stay If you have exhausted your inpatient benefits or if the inpatient stay is not reasonable and necessary, we will not cover your inpatient stay. However, in some cases, we will cover certain services you receive while you are in the hospital or the skilled nursing facility (SNF). Covered services include, but are not limited to: • Physician services • Diagnostic tests (like lab tests) • X-ray, radium, and isotope therapy including technician materials and
services • Surgical dressings • Splints, casts and other devices used to reduce fractures and dislocations • Prosthetics and orthotics devices (other than dental) that replace all or part of
an internal body organ (including contiguous tissue), or all or part of the function of a permanently inoperative or malfunctioning internal body organ, including replacement or repairs of such devices
• Leg, arm, back, and neck braces; trusses, and artificial legs, arms, and eyes including adjustments, repairs, and replacements required because of breakage, wear, loss, or a change in the patient’s physical condition
• Physical therapy, speech therapy, and occupational therapy
You pay the applicable cost-sharing for other services as though they were provided on an outpatient basis. Please refer to the applicable benefit in this section of this Evidence of Coverage.
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Medical Services that are covered for you What you must pay when you get these medical services
Medical nutrition therapy This benefit is for people with diabetes, renal (kidney) disease (but not on dialysis), or after a kidney transplant when ordered by your doctor. We cover 3 hours of one-on-one counseling services during your first year that you receive medical nutrition therapy services under Medicare (this includes our plan, any other Medicare Advantage plan, or Original Medicare), and 2 hours each year after that. If your condition, treatment, or diagnosis changes, you may be able to receive more hours of treatment with a physician’s order. A physician must prescribe these services and renew their order yearly if your treatment is needed into the next calendar year.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for beneficiaries eligible for Medicare-covered medical nutrition therapy services.
Medicare Diabetes Prevention Program (MDPP) MDPP services will be covered for eligible Medicare beneficiaries under all Medicare health plans. MDPP is a structured health behavior change intervention that provides practical training in long-term dietary change, increased physical activity and problem solving strategies for overcoming challenges to sustaining weight loss and a healthy lifestyle.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the MDPP benefit.
Medicare Part B prescription drugs These drugs are covered under Part B of Original Medicare. Members of our plan receive coverage for these drugs through our plan. Covered drugs include: • Drugs that usually aren’t self-administered by the patient and are injected or
infused while you are getting physician, hospital outpatient, or ambulatory surgical center services
• Drugs you take using durable medical equipment (such as nebulizers) that were authorized by the plan
• Clotting factors you give yourself by injection if you have hemophilia • Immunosuppressive drugs, if you were enrolled in Medicare Part A at the
time of the organ transplant • Injectable osteoporosis drugs, if you are homebound, have a bone fracture
that a doctor certifies was related to post-menopausal osteoporosis, and cannot self-administer the drug
• Antigens • Certain oral anti-cancer drugs and anti-nausea drugs • Certain drugs for home dialysis, including heparin, the antidote for heparin
when medically necessary, topical anesthetics, and erythropoiesis-stimulating agents (such as Aranesp)
• Intravenous Immune Globulin for the home treatment of primary immune deficiency diseases
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for Medicare-covered Part B Chemotherapy drugs and other Part B drugs Medicare Part B drugs may be subject to step therapy requirements.
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Medical Services that are covered for you What you must pay when you get these medical services
The following link will take you to a list of Part B Drugs that may be subject to Step Therapy: www.cigna.com/medicare/part-d/drug-list-formulary. Chapter 5 explains the Part D prescription drug benefit, including rules you must follow to have prescriptions covered. What you pay for your Part D prescription drugs through our plan is explained in Chapter 6.
Obesity screening and therapy to promote sustained weight loss If you have a body mass index of 30 or more, we cover intensive counseling to help you lose weight. This counseling is covered if you get it in a primary care setting, where it can be coordinated with your comprehensive prevention plan. Talk to your primary care doctor or practitioner to find out more.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for preventive obesity screening and therapy.
Opioid treatment program services Members of our plan with opioid use disorder (OUD) can receive coverage of services to treat OUD through an Opioid Treatment Program (OTP) which includes the following services: • U.S. Food and Drug Administration (FDA)-approved opioid agonist and antagonist medication-assisted treatment (MAT) medications. • Dispensing and administration of MAT medications (if applicable) • Substance use counseling • Individual and group therapy • Toxicology testing • Intake activities • Periodic assessments
Authorization rules may apply In-Network and Out-of-Network 0% coinsurance for Medicare-covered opioid treatment services.
Outpatient diagnostic tests and therapeutic services and supplies Covered services include, but are not limited to: • X-rays • Radiation (radium and isotope) therapy including technician materials and
supplies • Surgical supplies, such as dressings • Splints, casts and other devices used to reduce fractures and dislocations • Laboratory tests • Blood - including storage and administration. Coverage of whole blood and
packed red cells begins with the first pint of blood that you need. All other components of blood are covered beginning with the first pint used.
• Other outpatient diagnostic tests
Authorization rules may apply. Authorization not required for COVID-19 related testing. In-Network and Out-of-Network A separate PCP/Specialist cost- share will apply if additional services requiring cost-sharing are rendered. 0% coinsurance for Medicare-covered diagnostic procedures and tests. 0% coinsurance for Medicare-covered lab services 0% coinsurance for Medicare-covered blood services
Medical Services that are covered for you What you must pay when you get these medical services
0% coinsurance for Medicare-covered diagnostic radiology services (not including X-rays). If multiple test types (such as CT and PET) are performed in the same day, multiple copayments will apply. If multiple tests of the same type (for example, CT scan of the head and CT scan of the chest) are performed in the same day one copayment will apply. 0% coinsurance for Medicare-covered therapeutic radiology services. 0% coinsurance for Medicare-covered X-rays. No prior authorization needed for X-rays.
Outpatient hospital observation Observation services are hospital outpatient services given to determine if you need to be admitted as an inpatient or can be discharged. For outpatient hospital observation services to be covered, they must meet the Medicare criteria and be considered reasonable and necessary. Observation services are covered only when provided by the order of a physician or another individual authorized by state licensure law and hospital staff bylaws to admit patients to the hospital or order outpatient tests. Note: Unless the provider has written an order to admit you as an inpatient to the hospital, you are an outpatient and pay the cost‑sharing amounts for outpatient hospital services. Even if you stay in the hospital overnight, you might still be considered an “outpatient.” If you are not sure if you are an outpatient, you should ask the hospital staff. You can also find more information in a Medicare fact sheet called “Are You a Hospital Inpatient or Outpatient? If You Have Medicare – Ask!” This fact sheet is available on the Web at https://www.medicare.gov/sites/default/files/2018-09/11435-Are-You-an-Inpatient-or-Outpatient.pdf or by calling 1‑800‑MEDICARE (1‑800‑633‑4227). TTY users call 1-877-486-2048. You can call these numbers for free, 24 hours a day, 7 days a week.
Authorization rules may apply In-Network and Out-of-Network 0% coinsurance for Medicare-covered outpatient hospital observation.
Outpatient hospital services We cover medically-necessary services you get in the outpatient department of a hospital for diagnosis or treatment of an illness or injury. Covered services include, but are not limited to:
Authorization rules may apply. You pay the applicable cost-sharing for these services. Please refer to the
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Medical Services that are covered for you What you must pay when you get these medical services
• Services in an emergency department or outpatient clinic, such as observation services or outpatient surgery
• Laboratory and diagnostic tests billed by the hospital • Mental health care, including care in a partial-hospitalization program, if a
doctor certifies that inpatient treatment would be required without it • X-rays and other radiology services billed by the hospital • Medical supplies such as splints and casts • Certain drugs and biologicals that you can’t give yourself
Note: Unless the provider has written an order to admit you as an inpatient to the hospital, you are an outpatient and pay the cost-sharing amounts for outpatient hospital services. Even if you stay in the hospital overnight, you might still be considered an “outpatient.” If you are not sure if you are an outpatient, you should ask the hospital staff. You can also find more information in a Medicare fact sheet called “Are You a Hospital Inpatient or Outpatient? If You Have Medicare – Ask!” This fact sheet is available on the Web at https://www.medicare.gov/sites/default/files/2018-09/11435-Are-You-an-Inpatient-or-Outpatient.pdf or by calling 1-800-MEDICARE (1-800-633-4227). TTY users call 1-877-486-2048. You can call these numbers for free, 24 hours a day, 7 days a week.
applicable benefit in this section of this Evidence of Coverage. Self-administered drugs (medication you would normally take on your own) are not covered in an outpatient hospital setting. These drugs may be covered under your Part D benefit. Please contact Member Service for more information.
Outpatient mental health care Covered services include: Mental health services provided by a state-licensed psychiatrist or doctor, clinical psychologist, clinical social worker, clinical nurse specialist, nurse practitioner, physician assistant, or other Medicare-qualified mental health care professional as allowed under applicable state laws. Members will be able to access certain providers that offer telehealth services for behavioral health by phone/computer/tablet, etc. enabling easier access to tele-psych services. To find these providers you can visit https://providersearch.hsconnectonline.com/OnlineDirectory online or call Member Service (phone numbers are printed on the back cover of this booklet).
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for each Medicare-covered group therapy visit 0% coinsurance for each Medicare-covered individual therapy visit 0% coinsurance for each Medicare-covered Telehealth-Behavioral health visit
Outpatient rehabilitation services Covered services include: physical therapy (in-person or virtual), occupational therapy, and speech language therapy. Outpatient rehabilitation services are provided in various outpatient settings, such as hospital outpatient departments, independent therapist offices, and Comprehensive Outpatient Rehabilitation Facilities (CORFs).
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for Medicare-covered Occupational Therapy visits 0% coinsurance for Medicare-covered Physical Therapy (in-person or virtual) 0% coinsurance for Speech and Language Pathology visits
Medical Services that are covered for you What you must pay when you get these medical services
One copayment will apply when multiple therapies (such as PT, OT, ST) are provided on the same date and at the same place of service.
Outpatient substance abuse services Covered services include substance abuse outpatient services including Partial Hospitalization Program, Opioid Treatment Programs (OTP), outpatient evaluation, outpatient therapy and medication management provided by a doctor, clinical psychologist, clinical social worker, clinical nurse specialist, nurse practitioner, physician assistant, or other Medicare-qualified behavioral health care professional as allowed under applicable state laws.
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for Medicare-covered group substance abuse outpatient treatment visits 0% coinsurance for Medicare-covered individual substance abuse outpatient treatment visits
Outpatient surgery, including services provided at hospital outpatient facilities and ambulatory surgical centers Note: If you are having surgery in a hospital facility, you should check with your provider about whether you will be an inpatient or outpatient. Unless the provider writes an order to admit you as an inpatient to the hospital, you are an outpatient and pay the cost-sharing amounts for outpatient surgery. Even if you stay in the hospital overnight, you might still be considered an “outpatient.”
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for each Medicare-covered outpatient hospital facility visit. 0% coinsurance for each Medicare-covered ambulatory surgical center visit.
Partial hospitalization services “Partial hospitalization” is a structured program of active psychiatric treatment provided as a hospital outpatient service or by a community mental health center, that is more intense than the care received in your doctor’s or therapist’s office and is an alternative to inpatient hospitalization.
Partial Hospitalization require Authorization In-Network and Out-of-Network 0% coinsurance for Medicare-covered partial hospitalization program services
Physician/Practitioner services, including doctor’s office visits Covered services include: • Medically-necessary medical care or surgery services furnished in a
physician’s office, certified ambulatory surgical center, hospital outpatient department, or any other location
• Consultation, diagnosis, and treatment by a specialist • Basic hearing and balance exams performed by your specialist, if your doctor
orders it to see if you need medical treatment • Certain telehealth services, including: Allergies, Cough, Headache, Nausea,
and other low-risk illnesses.
In-Network and Out-of-Network 0% coinsurance for each Medicare-covered primary care doctor visit 0% coinsurance for each Medicare-covered MD Live telehealth doctor visit. 0% coinsurance for each Medicare-covered specialist visit 0% coinsurance in a Primary Care Physician office or 0% coinsurance in a
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Medical Services that are covered for you What you must pay when you get these medical services
• You have the option of receiving these services through an in-person visit or by telehealth. If you choose to receive one of these services by telehealth, then you must use a network provider who offers the service by telehealth.
• The telehealth benefit is applicable to providers who partner with Cigna’s telehealth vendor for telehealth services. Customers will be required to complete registration and a brief medical history upon first use of telehealth and provide applicable copay at time of the telehealth visit. Electronic exchange can be by smartphone, regular telephone, computer, or tablet and can include video. For more information on your telehealth benefits, please refer to your plan’s Customer Handbook or contact Cigna’s customer service.
• Some telehealth services including consultation, diagnosis, and treatment by a physician or practitioner for patients in certain rural areas or other locations approved by Medicare.
• Telehealth services for monthly ESRD-related visits for home dialysis members in a hospital-based or critical access hospital-based renal dialysis center, renal dialysis facility, or the member’s home.
• Telehealth services for diagnosis, evaluation or treat symptoms of stroke • Virtual check-ins (for example, by phone or video chat) with your doctor for 5-
10 minutes if: o You’re not a new patient and o The check-in isn’t related to an office visit in the past 7 days and o The check-in doesn’t lead to an office visit within 24 hours or the
soonest available appointment. • Evaluation of video and/or images you send to your doctor, and
interpretation and follow-up within 24 hours if: o You’re not a new patient and o The evaluation isn’t related to an office visit in the past 7 days
and o The evaluation doesn’t lead to an office visit within 24 hours or
the soonest available appointment • Consultation your doctor has with other doctors by phone, internet, or
electronic health record. • Second opinion by another network provider prior to surgery • Non-routine dental care (covered services are limited to surgery of the jaw or
related structures, setting fractures of the jaw or facial bones, extraction of teeth to prepare the jaw for radiation treatments of neoplastic cancer disease, or services that would be covered when provided by a physician)
• Medicare covers services provided by other health providers, such as physician assistants, nurse practitioners, social workers, physical therapists, and psychologists. Health professional means— - a physician who is a doctor of medicine or osteopathy; or - a physician assistant, nurse practitioner, or clinical nurse specialist; or
Specialist office for Medicare-covered Other Health Care Professional Service.
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Medical Services that are covered for you What you must pay when you get these medical services
- a medical professional (including a health educator, a registered dietitian, or nutrition professional, or other licensed practitioner) or a team of such medical professionals, working under the direct supervision of a physician.
Podiatry services Covered services include: • Diagnosis and the medically necessary treatment of injuries and diseases of
the feet (such as hammer toe, bunion deformities or heel spurs). • Routine foot care for members with certain medical conditions affecting the
lower limbs
In-Network and Out-of-Network 0% coinsurance for each Medicare-covered podiatry visit
Prostate cancer screening exams For men age 50 and older, covered services include the following - once every 12 months: • Digital rectal exam • Prostate Specific Antigen (PSA) test
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for an annual PSA test.
Prosthetic devices and related supplies Devices (other than dental) that replace all or part of a body part or function. These include, but are not limited to: colostomy bags and supplies directly related to colostomy care, pacemakers, braces, prosthetic shoes, artificial limbs, and breast prostheses (including a surgical brassiere after a mastectomy). Includes certain supplies related to prosthetic devices, and repair and/or replacement of prosthetic devices. Also includes some coverage following cataract removal or cataract surgery – see “Vision Care” later in this section for more detail.
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for Medicare-covered prosthetic devices and medical supplies related to prosthetics, splints, and other devices
Pulmonary rehabilitation services Comprehensive programs of pulmonary rehabilitation are covered for members who have moderate to very severe chronic obstructive pulmonary disease (COPD) and an order for pulmonary rehabilitation from the doctor treating the chronic respiratory disease.
Authorization rules may apply In-Network and Out-of-Network 0% coinsurance for each Medicare-covered pulmonary rehabilitative therapy visit One copayment will apply when multiple therapies are provided on the same date and at the same place of service.
Screening and counseling to reduce alcohol misuse We cover one alcohol misuse screening for adults with Medicare (including pregnant women) who misuse alcohol, but aren’t alcohol dependent. If you screen positive for alcohol misuse, you can get up to 4 brief face-to-face counseling sessions per year (if you’re competent and alert during counseling)
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the Medicare-covered screening and counseling to reduce alcohol misuse preventive benefit.
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Medical Services that are covered for you What you must pay when you get these medical services
provided by a qualified primary care doctor or practitioner in a primary care setting.
Screening for lung cancer with low dose computed tomography (LDCT) For qualified individuals, a LDCT is covered every 12 months. Eligible members are: people aged 55 – 77 years who have no signs or symptoms of lung cancer, but who have a history of tobacco smoking of at least 30 pack-years and who currently smoke or have quit smoking within the last 15 years, who receive a written order for LDCT during a lung cancer screening counseling and shared decision making visit that meets the Medicare criteria for such visits and be furnished by a physician or qualified non-physician practitioner. For LDCT lung cancer screenings after the initial LDCT screening: the member must receive a written order for LDCT lung cancer screening, which may be furnished during any appropriate visit with a physician or qualified non-physician practitioner. If a physician or qualified non-physician practitioner elects to provide a lung cancer screening counseling and shared decision making visit for subsequent lung cancer screenings with LDCT, the visit must meet the Medicare criteria for such visits.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the Medicare covered counseling and shared decision making visit or for the LDCT.
Screening for sexually transmitted infections (STIs) and counseling to prevent STIs We cover sexually transmitted infection (STI) screenings for chlamydia, gonorrhea, syphilis, and Hepatitis B. These screenings are covered for pregnant women and for certain people who are at increased risk for an STI when the tests are ordered by a primary care provider. We cover these tests once every 12 months or at certain times during pregnancy. We also cover up to 2 individual 20 to 30 minute, face-to-face high-intensity behavioral counseling sessions each year for sexually active adults at increased risk for STIs. We will only cover these counseling sessions as a preventive service if they are provided by a primary care provider and take place in a primary care setting, such as a doctor’s office.
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the Medicare-covered screening for STIs and counseling to prevent STIs preventive benefit.
Services to treat kidney disease and conditions Covered services include: • Kidney disease education services to teach kidney care and help members
make informed decisions about their care. For members with stage IV chronic kidney disease when ordered by their doctor, we cover up to six sessions of kidney disease education services per lifetime.
• Outpatient dialysis treatments (including dialysis treatments when temporarily out of the service area, as explained in Chapter 3)
• Inpatient dialysis treatments (if you are admitted as an inpatient to a hospital for special care)
Authorization rules may apply for Medicare-covered renal dialysis. In-Network and Out-of-Network 0% coinsurance for Medicare-covered kidney disease education services 0% coinsurance for Medicare-covered renal dialysis
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Medical Services that are covered for you What you must pay when you get these medical services
• Self-dialysis training (includes training for you and anyone helping you with your home dialysis treatments)
• Home dialysis equipment and supplies • Certain home support services (such as, when necessary, visits by trained
dialysis workers to check on your home dialysis, to help in emergencies, and check your dialysis equipment and water supply)
Certain drugs for dialysis are covered under your Medicare Part B drug benefit. For information about coverage for Part B Drugs, please go to the section, “Medicare Part B prescription drugs.”
Skilled nursing facility (SNF) care (For a definition of “skilled nursing facility care,” see Chapter 12 of this booklet. Skilled nursing facilities are sometimes called “SNFs.”) Plan covers up to 100 days each benefit period. No prior hospital stay is required. Covered services include but are not limited to: • Semiprivate room (or a private room if medically necessary) • Meals, including special diets • Skilled nursing services • Physical therapy, occupational therapy, and speech therapy • Drugs administered to you as part of your plan of care (This includes
substances that are naturally present in the body, such as blood clotting factors.)
• Blood - including storage and administration. Coverage of whole blood and packed red cells begins with the first pint of blood that you need. All other components of blood are covered beginning with the first pint used.
• Medical and surgical supplies ordinarily provided by SNFs • Laboratory tests ordinarily provided by SNFs • X-rays and other radiology services ordinarily provided by SNFs • Use of appliances such as wheelchairs ordinarily provided by SNFs • Physician/Practitioner services Generally, you will get your SNF care from network facilities. However, under certain conditions listed below, you may be able to get your care from a facility that isn’t a network provider, if the facility accepts our plan’s amounts for payment. • A nursing home or continuing care retirement community where you were
living right before you went to the hospital (as long as it provides skilled nursing facility care).
• A SNF where your spouse is living at the time you leave the hospital.
Authorization rules may apply. In-Network and Out-of-Network For Medicare-covered SNF stays, the copayment is: – Days 1-100: 0% coinsurance per day For each Medicare-covered SNF stay, you are required to pay the applicable cost-sharing, starting with Day 1 each time you are admitted. Cost-sharing applies to day of discharge.
Smoking and tobacco use cessation (counseling to stop smoking or tobacco use)
In-Network and Out-of-Network There is no coinsurance, copayment, or deductible for the Medicare-covered
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Medical Services that are covered for you What you must pay when you get these medical services
If you use tobacco, but do not have signs or symptoms of tobacco-related disease: We cover two counseling quit attempts within a 12-month period as a preventive service with no cost to you. Each counseling attempt includes up to four face-to-face visits. If you use tobacco and have been diagnosed with a tobacco-related disease or are taking medicine that may be affected by tobacco: We cover cessation counseling services. We cover two counseling quit attempts within a 12-month period; however, you will pay the applicable cost-sharing. Each counseling attempt includes up to four face-to-face visits.
smoking and tobacco use cessation preventive benefits.
Supervised Exercise Therapy (SET) SET is covered for members who have symptomatic peripheral artery disease (PAD) and are recommended for treatment by the responsible physician responsible for PAD treatment. Up to 36 sessions over a 12-week period are covered if the SET program requirements are met. The SET program must:
• Consist of sessions lasting 30-60 minutes, comprising a therapeutic exercise-training program for PAD in patients with claudication
• Be conducted in a hospital outpatient setting or a physician’s office • Be delivered by qualified auxiliary personnel necessary to ensure
benefits exceed harms, and who are trained in exercise therapy for PAD • Be under the direct supervision of a physician, physician assistant, or
nurse practitioner/clinical nurse specialist who must be trained in both basic and advanced life support techniques
SET may be covered beyond 36 sessions over 12 weeks for an additional 36 sessions over an extended period of time if deemed medically necessary by a health care provider.
Authorization rules may apply. In-Network and Out-of-Network 0% coinsurance for each Medicare covered Supervised Exercise Therapy visit You will have one copayment when multiple therapies are provided by the same provider on the same date and at the same place of service.
Urgently needed services Urgently needed services are provided to treat a non-emergency, unforeseen medical illness, injury, or condition that requires immediate medical care. Urgently needed services may be furnished by network providers or by out-of-network providers when network providers are temporarily unavailable or inaccessible. Cost-sharing for necessary emergency services furnished out-of-network is the same as for such services furnished in-network. Urgently needed services are covered worldwide.
In-Network and Out-of-Network 0% coinsurance t for Medicare-covered urgently needed service visit 0% coinsurance for worldwide emergency/urgent coverage and worldwide emergency transportation. $50,000 (U.S. currency) combined limit per year for emergency and urgent care services provided outside the U.S. and its territories
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Medical Services that are covered for you What you must pay when you get these medical services
Emergency transportation must be medically necessary. If you are admitted to the hospital within 24 hours for the same condition, you pay $0 for the urgently needed services visit.
Vision care Covered services include: • Outpatient physician services for the diagnosis and treatment of diseases
and injuries of the eye, including treatment for age-related macular degeneration. Original Medicare does not cover routine eye exams (eye refractions) for eyeglasses/contacts. However, this plan covers one (1) supplemental routine eye exam (including eye refractions) per year. Eye refractions outside of the annual supplemental routine eye exam are not covered.
• For people who are at high risk of glaucoma, we will cover one glaucoma screening each year. People at high risk of glaucoma include: people with a family history of glaucoma, people with diabetes, African-Americans who are ago 50 and older, and Hispanic Americans who are 65 or older.
• For people with diabetes, screening for diabetic retinopathy is covered once per year
• One pair of eyeglasses or contact lenses after each cataract surgery that includes insertion of an intraocular lens. (If you have two separate cataract operations, you cannot reserve the benefit after the first surgery and purchase two eyeglasses after the second surgery.)
• Corrective lenses/frames (and replacements) needed after a cataract removal without a lens implant.
• Eyeglasses and frames or contact lenses up to the plan allowance amount. The plan specified allowance may be applied to one set of the member’s choice of eyewear once per year, to include the eyeglass frame/lenses/lens options combination or contact lenses (to include related professional fees) in lieu of eyeglasses. Supplemental annual eyewear allowance applied to the retail value only. Applicable taxes are not covered. Unused balance of the allowance amount does not carry forward to future benefit years.
For more information on your Medicare-covered vision benefits, please call Member Service (phone numbers are printed on the back cover of this booklet). For more information on your supplemental routine eye exam and supplemental eyewear benefit, please refer to Cigna's Member Handbook or contact Cigna's vision vendor at 1-888-886-1995 (TTY 711)
In-Network and Out-of-Network A separate PCP/Specialist cost-share will apply if additional services requiring cost- sharing are rendered. (e.g., but not limited to, if a medical eye condition is discovered during a preventive routine eye exam). For surgical procedures performed in an outpatient surgical center, a separate physician cost share or facility fee may apply. 0% coinsurance for Medicare-covered exams to diagnose and treat diseases and conditions of the eye, including an annual glaucoma screening for people at risk. $0 copayment for glaucoma screening and diabetic retinal exam. 0% coinsurance for all other Medicare-covered vision services. 0% coinsurance for Medicare-covered eyewear (one pair of eyeglasses with standard frames/lenses or one set of standard contact lenses after cataract surgery that implants an intraocular lens) – up to 1 supplemental routine eye exam every year $0 copayment up to the eyewear allowance for: – up to 1 pair of eyeglasses (lenses and frames) every year – unlimited contact lenses up to plan coverage limit
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Medical Services that are covered for you What you must pay when you get these medical services
Routine eye exams and supplemental eyewear must be obtained from a provider in Cigna’s vision vendor, Superior Vision, network. Services obtained from vendors outside this network are not covered. For more information on your vision benefit, please refer to the Cigna’s Member Handbook or contact Cigna’s vision vendor, Superior Vision, at 1-888-886-1995 (TTY 711) For more information on your Medicare-covered vision benefits, call Customer Service (phone numbers are printed on the back cover of this booklet).
– up to 1 pair of eyeglass lenses every year – up to 1 eyeglass frame every year – upgrades $200 allowance for supplemental eyewear every year. Members are responsible for all costs over and above the allowance amount.
“Welcome to Medicare” Preventive Visit The plan covers the one-time “Welcome to Medicare” preventive visit. The visit includes a review of your health, as well as education and counseling about the preventive services you need (including certain screenings and shots), and orders for other care if needed. Important: We cover the “Welcome to Medicare” preventive visit only within the first 12 months you have Medicare Part B. When you make your appointment, let your doctor’s office know you would like to schedule your “Welcome to Medicare” preventive visit.
There is no coinsurance, copayment, or deductible for the “Welcome to Medicare” preventive visit.
Supplemental Benefits
Wigs for Hair Loss due to Cancer Treatment $350 allowance
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SECTION 2. What you pay for your Part D prescription drugs
What you pay for a drug depends on which drug payment state you are in when you get the drug. Please see Chapter 6, Section 2.1 in your Evidence of Coverage booklet for a detailed description of the table shown below.
Stage 1 Yearly Deductible Stage
Stage 2 Initial Coverage Stage
Stage 3 Coverage Gap Stage
Stage 4 Catastrophic Coverage
Stage
Because there is no deductible for the plan, this payment stage does not apply to you. (Details are in Section 4 of Chapter 6 in your Evidence of Coverage booklet.)
You begin in this stage when you fill your first prescription of the year. During this stage, the plan pays its share of the cost of your drugs and you pay your share of the cost. You stay in this stage until your year-to-date “total drug costs” (your payments plus any Part D plan’s payments) total $4,430. (Details are in Section 5 of Chapter 6 in your Evidence of Coverage booklet.)
You will continue to pay the same copays/coinsurance as the initial level stage. You stay in this stage until your year-to-date “out of pocket costs” (your payments) reach a total of $7,050. This amount and rules for counting costs toward this amount have been set by Medicare. (Details are in Section 6 of Chapter 6 in your Evidence of Coverage booklet.)
During this stage, the plan will pay most of the cost of your drugs for the rest of the calendar year (through December 31, 2022). For a 30-day supply, you pay the lesser of the Coverage Gap amount or the Standard Part D amount which is the greater of: • 5% of the cost, or • $3.95 copay for generic
(including brand name drugs treated as generic) and a $9.85 copayment for all other drugs.
(Details are in Section 7 of Chapter 6 in your Evidence of Coverage booklet.)
Your Costs Cigna True Choice Medicare (PPO)
Monthly Premium Contact your plan sponsor.
Annual Deductible $0 / year You need to pay this amount before your Initial Coverage begins.
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Your Medicare Prescription Drug Coverage as a member of Cigna True Choice Medicare (PPO). Please see Chapter 6, section 5.2 in your Evidence of Coverage booklet for a detailed description of the table shown below. Your share of the cost when you get a one-month (up to a 30-day or 31-day supply in a network long-term care pharmacy) supply of a covered Part D prescription drug from:
Cost Share Tier
Network pharmacy
The plan’s mail-order service
Network long-term care pharmacy
Out-of-network pharmacy*
Tier 1: Preferred Generic Drugs
$10 $10 $10 $10
Tier 2: Preferred Brand Drugs
$30 $30 $30 $30
Tier 3: Non-Preferred Generic and Brand Drugs
$50 $50 $50 $50
Tier 4: Specialty Generic and Brand Drugs
$75 $75 $75 $75
Please see Chapter 6, Section 5.4 in your Evidence of Coverage booklet for a detailed description of the table shown below. Your share of the cost when you get a long-term supply of a covered Part D prescription drug from:
Cost Share Tier Network pharmacy
(60-day / 90-day supply) The plan’s mail-order service
(60-day / 90-day supply)
Tier 1: Preferred Generic Drugs
$20 / $20 $20 / $20
Tier 2: Preferred Brand Drugs
$60 / $60 $60 / $60
Tier 3: Non-Preferred Generic and Brand Drugs
$100 / $100
$100 / $100
Tier 4: Specialty Generic and Brand Drugs
$150 / $150
$150 / $150
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Additional Benefits offered Your plan covers additional drugs not normally covered in a Medicare Prescription Drug Plan as indicated in the Formulary Drug List by the + symbol. Please see your 2022 Formulary document for details. The cost share you pay on these drugs do not count toward your annual TrOOP.
• Erectile Dysfunction^ • Prescription Vitamins • Cough & Cold Preps • Weight Loss / Weight Gain • Fertility Drugs
^Sexual dysfunction medications are subject to prior authorization and quantity limitations even though these limitations may be waived in other treatment categories. Please review your 2022 formulary for more information.
• Preventive Generic Drugs - $0 copay Your plan includes the following clinical management edits. Refer to your 2022 Formulary for more information.
Prior Authorization This drug requires prior authorization. Quantity Limits This drug has quantity limits. Step Therapy This drug has step therapy requirements. *
Opioid medication available as a 7-day supply or less for first time opioid user. For continued use this drug may only be available as a month supply.
+ This prescription drug is not normally covered in a Medicare Prescription Drug Plan. The amount you pay when you fill a prescription for this drug does not count towards your total drug costs (that is, the amount you pay does not help you qualify for catastrophic coverage). In addition, if you are receiving extra help to pay for your prescriptions, you will not get any extra help to pay for this drug.
^ This prescription drug has an administrative prior authorization requirement that is not waived. This drug may be covered under different benefits depending on circumstances.
HRM PA This high risk medication requires prior authorization. B/D PA
This prescription drug has a Part B versus D administrative prior authorization requirement. This drug may be covered under Medicare Part B or D depending on circumstances.
LA Limited Availability drug. This drug may be available only at certain pharmacies.
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Method Member Service – Contact Information CALL 1-888-281-7867
Calls to this number are free. Member Service is available October 1 – March 31, 7 days a week, 8 a.m. – 8 p.m. local time; April 1 – September 30, Monday – Friday, 8 a.m. – 8 p.m. local time. Our automated phone system may answer your call on weekends, holidays and after hours. Member Service also has free language interpreter services available for non‑English speakers.
TTY 711 This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. Member Service is available October 1 – March 31, 7 days a week, 8 a.m. – 8 p.m. local time; April 1 – September 30, Monday – Friday, 8 a.m. – 8 p.m. local time. Our automated phone system may answer your call on weekends, holidays and after hours.
This drug list was updated September 2021. For more recent information or other questions, please contact Cigna Customer Service, at 1-888-281-7867 or, for TTY users, 711, 8 a.m. – 8 p.m., local time, 7 days a week. Our automated phone system may answer your call during weekends, holidays and after hours from April 1 – Sept 30, or visit CignaMedicare.com/group/MAresources The drug list, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. Cigna is contracted with Medicare for PDP plans, HMO and PPO plans in select states, and with select State Medicaid programs.
22_GF_H7849_FRCG INT_22_XXXXX_C
Frederick County Government Cigna True Choice Medicare (PPO)
Cigna True Choice Medicare (PPO) 2022 Drug List (Formulary) H7849_803
Please read: This document contains information about the drugs we cover in this plan.
_V2A1
ii
What is the Cigna True Choice Medicare (PPO) Comprehensive Drug List? A drug list is a list of covered drugs selected by Cigna True Choice Medicare (PPO) in consultation with a team of health care providers, which represents the prescription therapies believed to be a necessary part of a quality treatment program. Cigna True Choice Medicare (PPO) will generally cover the drugs listed in our drug list as long as the drug is medically necessary, the prescription is filled at a Cigna True Choice Medicare (PPO) network pharmacy, and other plan rules are followed. For more information on how to fill your prescriptions, please review your Evidence of Coverage.
Can the Drug List (drug list) change? Most changes in drug coverage happen on January 1, but we may add or remove drugs in the drug list during the year, move them to different cost-sharing tiers, or add new restrictions.
Changes that can affect you this year. In the below cases, you will be affected by the coverage changes during the year:
New Generic Drugs. We may immediately remove a brand name drug in our drug list if we are replacing it with a new generic drug that will appear on the same or lower cost-sharing tier and with the same or fewer restrictions. Also, when adding the new generic drug, we may decide to keep the brand name drug in our drug list, but immediately move it to a different cost-sharing tier or add new restrictions. If you are currently taking that brand name drug, we may not tell you in advance before we make that change, but we will later provide you with information about the specific change(s) we have made. o If we make such a change, you or your prescriber can ask us to make an exception and continue to cover the brand
name drug for you. The notice we provide you will also include information on the steps you may take to request an exception, and you can also find information in the following section entitled “How do I request an exception to the Cigna True Choice Medicare (PPO) Drug list?”
Drugs removed from the market. If the Food and Drug Administration (FDA) deems a drug in our drug list to be unsafe or the drug’s manufacturer removes the drug from the market, we will immediately remove the drug from our drug list and provide notice to customers who take the drug.
Other changes. We may make other changes that affect customers currently taking a drug. For instance, we may add a generic drug that is not new to the market to replace a brand name drug currently in the drug list or add new restrictions to the brand name drug or move it to a different cost-sharing tier. We may also make changes based on new clinical guidelines and/or studies. If we remove drugs from our drug list, add prior authorization, quantity limits, and/or step therapy restrictions on a drug or move a drug to a higher cost-sharing tier, we must notify affected customers of the change at least 30 days before the change becomes effective, or at the time the customer requests a refill of the drug, at which time the customer will receive a 30-day supply of the drug. o If we make these other changes, you or your prescriber can ask us to make an exception and continue to cover the
brand name drug for you. The notice we provide you will also include information on how to request an exception, and you can also find information in the section below entitled “How do I request an exception to the Cigna True Choice Medicare (PPO) Drug List?”
Note to existing customers: This drug list has changed since last year. Please review this document to make sure that it still contains the drugs you take.
When this drug list (formulary) refers to “we,” “us” or “our,” it means Cigna. When it refers to “plan” or “our plan,” it means Cigna True Choice Medicare (PPO).
This document includes a list of the drugs for our plans, which is current as of September 2021. If you have any questions, please contact us. Our contact information, along with the date we last updated the drug list, appears on the front and back cover pages.
You must generally use network pharmacies to use your prescription drug benefit. Benefits, drug list, pharmacy network, and/or copayments/coinsurance may change on January 1, 2023, and from time to time during the year.
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Changes that will not affect you if you are currently taking the drug. Generally, if you are taking a drug on our 2022 drug list that was covered at the beginning of the year, we will not discontinue or reduce coverage of the drug during the 2022 coverage year except as described above. This means these drugs will remain available at the same cost-sharing and with no new restrictions for those customers taking them for the remainder of the coverage year.
The enclosed drug list is current as of September 2021. To get updated information about the drugs covered by Cigna True Choice Medicare (PPO), please contact us. Our contact information appears on the front and back cover pages. If there are significant changes made to the printed drug list within the covered year, you may be notified by mail identifying the changes.
How do I use the Drug List? There are two ways to find your drug within the drug list: Medical Condition The drug list begins on page 1. The drugs in this drug list are grouped into categories depending on the type of medical conditions that they are used to treat. For example, drugs used to treat a heart condition are listed under the category, “CARDIOVASCULAR, HYPERTENSION / LIPIDS”. If you know what your drug is used for, look for the category name in the list that begins on page 1. Then look under the category name for your drug. Alphabetical Listing If you are not sure what category to look under, you should look for your drug in the Index that begins on page 156. The Index provides a list of the drugs included in this document. Both brand name drugs and generic drugs are in the drug list. Look in the Index and find your drug. Next to your drug, you will see the page number where you can find coverage information. Turn to the page listed in the Index and find the name of your drug in the drug name column of the list.
What are generic drugs?
Cigna True Choice Medicare (PPO) covers both brand name drugs and generic drugs. A generic drug is approved by the FDA as having the same active ingredient as the brand name drug. Generally, generic drugs cost less than brand name drugs.
Are there any restrictions on my coverage?
Some covered drugs may have additional requirements or limits on coverage. These requirements and limits may include:
Prior Authorization: The plan requires you or your doctor to get prior authorization for some drugs. This means that you will need to get approval from the plan before you fill these prescriptions. If you do not get approval, Cigna True Choice Medicare (PPO) may not cover the drug.
Quantity Limits: For certain drugs, the plan limits the amount of the drug that Cigna True Choice Medicare (PPO) will cover. For example, the plan allows for 1 tablet per day for BYSTOLIC 10MG. This applies to a standard one-month supply (for total quantity of 30 per 30 days) or three-month supply (for total quantity of 90 per 90 days).
Step Therapy: In some cases, the plan requires you must first try certain drugs to treat your medical condition before we will cover another drug for that condition. For example, if Drug A and Drug B both treat your medical condition, Cigna True Choice Medicare (PPO) may not cover Drug B unless you try Drug A first. If Drug A does not work for you, the plan will then cover Drug B.
Non-Extended Days Supply: For certain drugs, Cigna True Choice Medicare (PPO) limits the amount of the drug that we will cover to only a 30-day supply or less, at one time. For example, customers who have not had any recent fill of opioid pain medications within the past 108 days (referred to as “opioid naïve”) are limited to a maximum of 7 days’ supply of opioid pain medication. Customers who have received a recent fill of an opioid pain medication (not opioid naïve) are limited to up to a month’s supply of that medication at one time. Other high cost drugs may be subject to a non-extended day supply restriction, as well.
You can find out if your drug has any additional requirements or limits by looking in the drug list that begins on page 1. You can also get more information about the restrictions applied to specific covered drugs by visiting our website. We have posted online documents that explain our prior authorization and step therapy restrictions. You may also ask us to send you a copy. Our contact information, along with the date we last updated the drug list, appears on the front and back cover pages.
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You can ask Cigna True Choice Medicare (PPO) to make an exception to these restrictions or limits or for a list of other, similar drugs that may treat your health condition. See the section, “How do I request an exception to the plan drug list?” on the next page for information about how to request an exception.
Options for Maintenance Medications Taking the medications prescribed by your doctor is important to your health.
We are committed to helping you achieve control of chronic conditions by making it easy for you to receive your maintenance medications. There are several ways we can work together to accomplish this goal:
Talk with your doctor about whether a 90-day supply of your ongoing, stable medications may be appropriate. [Taking these medications every day as prescribed is important for your overall health, and getting 90-day prescriptions of these medications can ensure that you don’t miss a dose.]
You can receive a 90-day supply at most retail pharmacies or through one of our mail-order pharmacies.
Talk to your pharmacist if you are experiencing any new challenges with your maintenance medications.
How can I use my prescription drug coverage to save money on my medications? There may be opportunities for you to save money on your medications using your plan coverage.
Ask your doctor (or other prescriber) if there are any lower-cost generic alternatives available for any of your current medications.
Check the Drug Tier and Cost-Share Tables to see if your plan offers copay savings with mail order.
Explore whether the ‘CMS Extra Help’ program may offer additional financial support for your medications.
If your medication is not covered on the plan drug list, talk with your doctor about alternative medications which are covered in the drug list.
What if my drug is not in the Drug List? If your drug is not included in this drug list, you should first contact Customer Service to ask if your drug is covered. If you learn that the plan does not cover your drug, you have two options:
You can ask Customer Service for a list of similar drugs that are covered by the plan. When you receive the list, show it to your doctor and ask him or her to prescribe a similar drug that is covered by the plan.
You can ask the plan to make an exception to cover your drug. See below for information about how to request an exception.
How do I request an exception to the plan Drug List? You can ask us to make an exception to our coverage rules. There are several types of exceptions that you can ask us to make.
You can ask us to cover a drug even if it is not in our formulary. If approved, this drug will be covered at a pre-determined cost-sharing level, and you would not be able to ask us to provide the drug at a lower cost-sharing level.
You can ask us to waive coverage restrictions or limits on your drug. For example, there are certain drugs that the plan limits the amount of the drug that we will cover. If your drug has a quantity limit, you can ask us to waive the limit and cover a greater amount.
You can ask us to provide a tiering exception for a drug to be covered at a lower cost-sharing tier under the following circumstances:
o If the drug you’re taking is a brand name drug you can ask us to cover your drug at the cost-sharing amount that applies to the lowest tier that contains brand name alternatives for treating your condition.
o If the drug you’re taking is a generic drug you can ask us to cover your drug at the cost-sharing amount that applies to the lowest tier that contains either brand or generic alternatives for treating your condition.
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o If the drug you’re taking is a biological product you can ask us to cover your drug at the cost-sharing amount that applies to the lowest tier that contains biological product alternatives for treating your condition.
These exceptions would lower the amount you must pay for your drug.
Please note, if we grant your request to cover a drug that is not in our drug list, you may not ask us to provide a higher level of coverage of the drug. Also, you may not ask us to provide a higher level of coverage for drugs that are in the Specialty tier.
Generally, we will only approve your request for an exception if the alternative drug is included on the plan’s drug list, the lower cost-sharing drug or additional utilization restrictions would not be as effective in treating your condition and/or would cause you to have adverse medical effects.
You should contact us to ask us for an initial coverage decision for a drug list, tiering or utilization restriction exception. When you request a drug list, tiering or utilization restriction exception, you should submit a statement from your prescriber or doctor supporting your request. Generally, we must make our decision within 72 hours of getting your prescriber’s supporting statement. You can request an expedited (fast) exception if you or your doctor believe that your health could be seriously harmed by waiting up to 72 hours for a decision. If your request to expedite is granted, we must give you a decision no later than 24 hours after we get a supporting statement from your doctor or other prescriber.
What do I do before I can talk to my doctor about changing my drugs or requesting an exception? As a new or continuing customer in our plan, you may either be taking drugs that are not in our drug list or taking a drug that is in our drug list but your ability to get it is limited. If this is the case, you may need a prior authorization from us before you can fill your prescription. You should talk to your doctor to decide whether you should switch to an alternative drug that we cover or request a drug list exception so that we will cover the drug you take. While you talk to your doctor to determine the right course of action for you, we may cover your drug up to a 30-day supply, in certain cases during the first 90 days you are a customer of our plan. For each of your drugs that are not in our drug list or if your ability to get your drugs is limited, we will cover a temporary 30-day supply. If your prescription is written for fewer days, we’ll allow refills to provide up to a maximum 30-day supply of medication. After your first 30-day supply, we will not pay for these drugs without a drug list exception, even if you have been a customer of the plan less than 90 days. If you are a resident of a long-term care facility and you need a drug that is not in our drug list or if your ability to get your drugs is limited, but you are past the first 90 days of membership in our plan, we will cover a 31-day emergency supply of that drug while you pursue a drug list exception.
In order to accommodate unexpected transitions of our customers that do not leave time for advanced planning, such as level-of-care changes due to discharge from a hospital to a nursing facility or to a home, we will allow a one-time 31-day supply (unless the prescription is written for fewer days).
Cigna True Choice Medicare (PPO) Drug List The formulary that begins on page 1 provides coverage information about of the drugs covered by Cigna True Choice Medicare (PPO). If you have trouble finding your drug in the list, turn to the Index that begins on page 156.
The first column of the chart lists the drug name. Brand name drugs are capitalized (e.g., TRELEGY ELLIPTA) and generic drugs are listed in lower-case italics (e.g., atorvastatin).
The information in the Requirements/Limits column tells you if we have any special requirements for coverage of your drug.
Some plans offer additional prescription drug coverage in the coverage gap. Please refer to your Evidence of Coverage Snapshot to see if your plan has this coverage and for more information.
We specify quantity limits on certain drugs which are indicated with a QL in the formulary that begins on page 1, along with the amount dispensed per the days supplied. (For example: atorvastatin 40MG QL 30/30; this means the drug atorvastatin 40MG is limited to 30 tablets per 30 days. For 90-day supplies, this quantity limit would be expanded to 90 tablets per 90 days).
For more information
For more detailed information about your Cigna True Choice Medicare (PPO) coverage, please review your Evidence of Coverage and other plan materials.
If you have questions about Cigna True Choice Medicare (PPO), please contact us. Our contact information, along with the date we last updated the drug list, appears on the front and back cover pages.
If you have general questions about Medicare prescription drug coverage, please call Medicare at 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048. Or, visit http://www.medicare.gov.
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2022 Drug Tier and Cost-Share Table
The following table represents the plan name, the drug tier number as it appears in the drug list, and the cost-share amount for that tier number. You may also refer to Evidence of Coverage for additional details.
Cigna True Choice Medicare (PPO) is not always able to keep all generic medication in the Generic drug tiers. Some generic medications may be in the Preferred Brand (Tier 2), Non-Preferred Generic and Brand (Tier 3), and Specialty Generic and Brand (Tier 4) drug tiers. Keep in mind that the name of the tier is just a description of the majority of the drugs in the tier. It does not mean that there are only generic or only brand drugs in that tier.
Note for customers receiving Extra Help: Your LIS copay level will be based on how the Food and Drug Administration (FDA) classifies certain drugs. Due to this, a generic drug may receive a preferred drug copay, or a preferred brand drug may receive a generic drug copay. Please see your LIS Rider for additional information on these copay levels. Or call Customer Service for further clarification regarding a specific drug.
Your plan covers additional drugs not normally covered in a Medicare Prescription Drug Plan as indicated in the Formulary Drug List by the + symbol. Please see your 2022 Formulary document for details. The cost share you pay on these drugs do not count toward your annual TrOOP.
Cough & Cold Preps Erectile Dysfunction^ Prescription Vitamins Weight Loss & Weight Gain Fertility Drugs
^Sexual dysfunction medications are subject to prior authorization and quantity limitations even though these limitations may be waived in other treatment categories. Please review your 2022 formulary for more information.
The following preventive benefits are covered at a $0 copay (deductible does not apply):
Preventive Generic Drugs To see a list of the drugs covered, please go to the pages following the Index.
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Your plan includes the following clinical management edits.
Prior Authorization - This drug requires prior authorization. Quantity Limits - This drug has quantity limits. Step Therapy - This drug has step therapy requirements. * opioid medication - Opioid medication available as a 7-day supply or less for first time opioid user. For continued use
this drug may only be available as a month supply. + - This prescription drug is not normally covered in a Medicare Prescription Drug Plan. The amount you pay when you fill
a prescription for this drug does not count towards your total drug costs (that is, the amount you pay does not help you qualify for catastrophic coverage). In addition, if you are receiving extra help to pay for your prescriptions, you will not get any extra help to pay for this drug.
^ - This prescription drug has an administrative prior authorization requirement that is not waived. This drug may be covered under different benefits depending on circumstances.
HRM PA – This high risk medication requires prior authorization B/D PA: This prescription drug has a Part B versus D administrative prior authorization requirement. This drug may be covered under Medicare Part B or D depending on circumstances. LA: Limited Availability drug. This drug may be available only at certain pharmacies.
List of Abbreviations
*: Opioid medication available as a 7-day supply or less for first time opioid user. For continued use this drug
may only be available as a one month supply.
^: This prescription drug has an administrative prior authorization requirement that is not waived. This drug
may be covered under different benefits depending on circumstances.
+: This prescription drug is not normally covered in a Medicare Prescription Drug Plan. The amount you pay
when you fill a prescription for this drug does not apply to your total drug costs (that is, the amount you pay
does not help you qualify for catastrophic coverage). In addition, if you are receiving extra help to pay for
your prescriptions, you will not get any extra help to pay for this drug.
B/D PA: This prescription drug has a Part B versus D administrative prior authorization requirement. This
drug may be covered under Medicare Part B or D depending on circumstances.
HRM: This high risk medication requires prior authorization
LA: Limited Availability. This prescription may be available only at certain pharmacies. For more
information, please call Customer Service.
PA: This drug requires prior authorization.
QL: This drug has quantity limits.
ST: This drug has step therapy requirements.
CAPITALIZED = BRAND NAME DRUG Lowercase italic = Generic drug
You can find information on what the symbols and abbreviations on this table mean by going to page 1.
Preventive drugs are used to improve outcomes for high blood pressure, high cholesterol, diabetes, Part D covered diabetic supplies, asthma, osteoporosis, heart attack, stroke and prenatal vitamins. The list below contains the generic drugs sorted by each category. If you have questions about which drugs are right for you, talk to your doctor. You do not have to pay a copay or coinsurance for the preventive drugs on this list if filled at a pharmacy in the Cigna network. All quantity limits, prior authorization and step therapy in the full drug list still apply.
All Formulary Generic Prescription Prenatal Vitamins
Help is always here. If you have any questions, customer service is here to help. We go above and beyond to make sure you have everything you need to understand and get the most from your plan.
1-888-281-7867 (TTY 711)
October 1 – March 31, 8 a.m. – 8 p.m. local time, 7 days a week. From April 1 – September 30, Monday – Friday, 8 a.m. – 8 p.m. local time. Messaging service used weekends, after hours, and on federal holidays. Customer service also has free language interpreter services available for non-English speakers.
CignaMedicare.com/group/MAresources
You can also visit us online at to find a provider or pharmacy, view plan information, and more.