MEDICARE PART D CUSTOMER HANDBOOK - Be at your best, body & mind 2020

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MEDICARE PART D CUSTOMER HANDBOOK - Be at your best, body & mind 2020
Cigna-HealthSpring® Rx (PDP)
Medicare Part D Prescription Drug Plans

                                                          2020

MEDICARE PART D
CUSTOMER HANDBOOK
Be at your best, body & mind.

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MEDICARE PART D CUSTOMER HANDBOOK - Be at your best, body & mind 2020
Sondra, 68
                                                                                       strikes
                                                                                 and counting

    WELCOME
    to a whole new kind of care
    Thank you for choosing Cigna. We believe you’re more than the number of years you’ve
    lived. You’re the sum of your accomplishments, with so much more to see and do. And we
    want you to be ready for it all – physically, emotionally, socially and financially. At Cigna,
    our commitment to whole health means helping you be at your best – body and mind – for
    whatever lies ahead.
    Your 2020 Customer Handbook helps you get the most from your Cigna Medicare Part D
    plan. We hope you find all of the information you need. If you still have questions, we’re
    always here to help.
    Call our customer service team at 1-800-558-9652 (TTY 711). We’re available October 1 –
    March 31, 8 a.m – 8 p.m. local time, 7 days a week. Messaging service used on the weekends
    from April 1 – September 30. As a Cigna customer, you can visit myCigna.com anytime for
    additional information and assistance.

2
MEDICARE PART D CUSTOMER HANDBOOK - Be at your best, body & mind 2020
What’s inside

Important contact information                                           3

Cigna customer service                                                  4

Using your plan is easy                                                 5

Get your prescriptions delivered to your home                           6

Healthy Rewards® discount program                                       7

How Medicare Part D works                                               8

Vaccination coverage                                                   11

Understanding Part B versus Part D coverage                            12

How to find a supplier for Part B equipment, drugs and supplies        13

Understanding prior authorizations                                     13

Managing your medications                                              14

Important contact information

Customer service                          Home delivery with
                                          Express Scripts PharmacySM
1-800-558-9562 (TTY 711)
October 1 – March 31, 8 a.m. –            1-877-860-0982
8 p.m. local time, 7 days a week.         myCigna.com
April 1 – September 30, Monday –
Friday, 8 a.m. – 8 p.m. local time.       Healthy Rewards discount program
Messaging service used weekends,
after hours and on federal holidays.      1-800-292-0013
Customer service also has free            myCigna.com
language interpreter services available
for non-English speakers.                 Paper claims address

Prescription Drug List                    Cigna-HealthSpring
                                          Attn: Pharmacy Services
myCigna.com                               PO Box 20002
                                          Nashville, TN 37202
Find a pharmacy

myCigna.com
                                                                             3
MEDICARE PART D CUSTOMER HANDBOOK - Be at your best, body & mind 2020
Cigna customer service

      Our customer service                  You can manage your personal health
      representatives can answer            24 hours a day, 7 days a week, by visiting
      questions such as:                    myCigna.com. Find helpful resources and
      ›     How can I save on my            information, including how to:
            prescriptions?                  ›   View your benefits
      ›     Is my pharmacy in the           ›   View your drug list
            network?                        ›   Find a network pharmacy
      ›     Can I request an exception      ›   Review pharmacy claim history and details
            for my medication?
                                            ›   Manage your prescriptions
      ›     Can I get my money back if
                                            ›   Access your Healthy Rewards
            I paid out of pocket for my
                                                discount programs
            prescription?

      Contact us at 1-800-558-9562 (TTY 711).

    Note:                                    1.) Updated myCigna.com screenshot for page 4

    If you have a Cigna-HealthSpring Rx
    (PDP) plan and are also covered as a
    dependent for other Cigna coverage,
    you need to register using the ID
    found on your Cigna-HealthSpring
    Rx (PDP) ID card to view your
    Medicare plan information on
    myCigna.com. You will need to create
    a new myCigna user ID and password
                                                                                 
    for your Cigna-HealthSpring Rx (PDP)
    plan. You will use your existing user
    ID for your other Cigna coverage
    and for your prior Cigna pharmacy
    coverage (if applicable).
    If you need help registering
    with myCigna.com, please call
    our help desk at 1-800-853-2713.

4
MEDICARE PART D CUSTOMER HANDBOOK - Be at your best, body & mind 2020
Using your plan is easy

Keep your customer ID card in a safe place
You will need to take your card with you to the pharmacy. Your pharmacy will let you
know the amount that you owe, beyond what our plan pays. Use the same card from
year to year unless you change to a different plan.

                                         Cigna-HealthSpring Rx                                     This card does not guarantee coverage or paym
                                                 PDP                          Don’t forget to review     your
                                                               prescription and talk with your 
                                                                              doctor about other medications
    ID
    Name
                  
                                                                that may cost  less. You’ll
                                                                                          Customer   Service:find

                                                                                                                   PLE
                                                                                                                    your
                                                                                                                 (TTY

                                                                                                                  M
    Health Plan   (80840)
                                                                                           myCigna.com.
                                                                              Drug List onPharmacy Help Desk: 

                                                                                                                SA
                                                                                              Pharmacy Claims: , , ,
MEDICARE PART D CUSTOMER HANDBOOK - Be at your best, body & mind 2020
Get your prescriptions delivered to your home

    Filling a prescription using home             Home delivery with
    delivery pharmacy services                    Express Scripts Pharmacy
    Home delivery provides the convenience
    of having your medications delivered to
                                                   EXPRESS SCRIPTS PHARMACY
    you. So you have one less thing to think
                                                   specializes in home delivery and
    about. And with an ample supply of
                                                   is available to all Cigna Medicare
    medications on hand, you are less likely
                                                   customers.
    to miss a dose. You may also save on
    your medications when you use a home           ›   Express Scripts Pharmacy is the
    delivery pharmacy.                                 third-largest pharmacy in the
                                                       country.
    You may use any in-network home
    delivery service to fill prescriptions for     ›   Serving more than
    all Drug List medications. Generally, it           10.5 million Americans.
    could take up to 14 days to process your
                                                   GETTING STARTED
    order and ship it to you. If for any reason
    your prescription order is delayed, you        ›   Have your Cigna ID card and
    will be contacted by the home delivery             medication list ready.
    pharmacy service and alternative               ›   Call Express Scripts Pharmacy at
    dispensing arrangements will be made.              1-877-860-0982 (TTY 711).
    You are not required to use home
    delivery services to get an extended
                                                   ›   Or go online and set up your
                                                       profile at myCigna.com, then
    supply of any medication that is on your
                                                       call Express Scripts Pharmacy
    Drug List.
                                                       when you are ready to discuss
                                                       your prescriptions.

6
Healthy Rewards

Exclusive savings to help you live better, body and mind
Cigna gives you more ways to save money while improving your health. Our Healthy
Rewards* program offers discounts and savings toward:

      Weight and nutrition                        Alternative medicine

      Fitness and mind/body                       Wellness and health
                                                  products
      Vision and hearing

To access Healthy Rewards, call 1-800-292-0013 or visit us online at myCigna.com.
Note: Not all programs are available by phone.

Hearing aids and exams                            Fitness clubs
Deeply discounted pricing on hearing aids,        Choose from 9,000+ fitness centers
plus free batteries for two years and free        nationwide for $25/month (plus a $25
follow‑up care for one year through our           enrollment fee and applicable taxes).
partner Amplifon. More than 2,000 hearing         The program offers:
aid models, from leading brands such as           ›   A free guest pass to try out a
Miracle-Ear®, Oticon, Phonak and Starkey®.            fitness center before enrolling
Low price guarantee – find a local quote              (where available).
for less and Amplifon will beat it by 5%.
Plus, 40% off diagnostic services/testing at      ›   The option to switch fitness centers
                                                      at any time.
thousands of locations nationwide.

Weight and nutrition
                                                  ›   Online fitness tracking from a wide
                                                      variety of popular wireless fitness
Savings up to 50% off weight and nutrition            devices, apps and exercise equipment.
programs, including Jenny Craig®** and
more.                                             Alternative medicine and therapy
                                                  Save up to 25% off services, including
Vision exams and eyewear
                                                  chiropractic care, acupuncture, massage
Discounts for routine vision services,
                                                  therapy, routine foot care and more.
including exam and eyeglasses, through
the Vision Network Savings Program. Over          Yoga and wellness products
25,000 locations nationwide, including            Save up to 25% off yoga mats, wellness
these national retail opticals: Pearle Vision®,   and fitness accessories, instructional
Sears®, TargetTM and JCPenney®.                   yoga and fitness DVDs.

                                                                                             7
How Medicare Part D works

    Whether you’ve had a Medicare Part D plan before, or you’re enrolled for the
    first time, understanding how Medicare Part D coverage works can be complicated.
    We get that, so we’ve broken it down for you.

    Costs and benefits
    The amount you pay for a medication depends on:
    ›   What drug tier your medication is grouped under. You will find drug tiers in your
        plan’s formulary (drug list). Our plan groups each medication into one of four “tiers.”

        TIER 1: PREFERRED GENERIC

        TIER 2: PREFERRED BRAND

        TIER 3: N
                 ON-PREFERRED GENERIC
                DRUGS AND BRAND DRUGS

        TIER 4: S
                 PECIALTY GENERIC AND
                BRAND DRUGS

    ›   Stages of the plan benefit. The chart on the next page highlights the
        four stages of Medicare Part D coverage.

8
How Medicare Part D works (continued)

Benefit stages
The amount you pay for a medication also depends on the benefit stage you have
reached. Medicare Part D coverage has four benefit stages. Not all customers will
reach every stage. Drug cost limits in each stage may change year to year.

                            Drug cost limits for 2020

          1                      2                      3                      4
                                                  Coverage Gap
                              Initial                                    Catastrophic
     Deductible                                    (also called
                          Coverage Limit                                  Coverage
                                                  “donut hole”)

 What you pay:          What you pay:           What you pay:         What you pay: The
 100% of your           A copay or              25% of brand-         greater of 5% of
 prescription costs                             name drugs/25%        covered drug costs,
                        coinsurance
 until you meet                                 of generic drugs      or $3.60 for generic
                        (percentage) for
 your annual
                        your drugs, after       (standard gap         and $8.95 for all
 deductible (if your
                        you have met your       coverage). Your       other drugs. Your
 plan has one).
                        annual deductible.      plan may provide      plan may provide
 If your plan
                        When it starts:         additional coverage   additional coverage
 does not have a
 deductible, you will   After you meet the      beyond Medicare’s     beyond Medicare’s
 begin at Stage 2.      deductible (if your     standard gap          standard coverage.
 When it starts:        plan has one).          coverage. What you    What you pay in
 January 1.                                     pay in this phase     this phase will be
                        When it ends:
                                                will be based on      based on your plan.
                        When your total
                        drug costs, including   your plan.            When it ends:
                        what the plan has       When it ends:         December 31.
                        paid and what you       When your total
                        have paid, reach        out-of-pocket costs
                        $4,020.                 (what you have
                                                paid) reach $6,350.

                                                                                             9
How Medicare Part D works (continued)

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              beach trips

     You will receive a monthly notification from Cigna-HealthSpring Rx (PDP) called an
     Explanation of Benefits (EOB) that will show how your plan paid your prescription bills
     during a given month. This monthly statement will show the billed charges, how much
     the plan paid and the amount that you paid. You will only receive an EOB if you used
     your Cigna-HealthSpring Rx (PDP) coverage recently.

              You can manage prescription drug claims
              and balances online at myCigna.com.

10
Vaccination coverage

 Take a shot at better health
 Getting vaccinated against common illnesses can help you stay healthy.
 Cigna-HealthSpring Rx (PDP) can help your wallet stay healthy by covering most
 or all of the cost. But how these costs are paid depends on the type of vaccination,
 where you get the vaccine, and who gives you the shot.
 Vaccinations, like the ones against shingles (Shingrix® and Zostavax®) or tetanus,
 are covered by Cigna-HealthSpring Rx (PDP) if you get the vaccine at your
 pharmacy or doctor’s office.

   IF YOU GET              AND GET
                                               YOU WILL PAY:                     THEN YOU NEED TO:
   THE VACCINE:            THE SHOT:

  At a pharmacy*           At a                Your plan coinsurance             No additional action
                           pharmacy            or copay at a pharmacy            is required.
                           (available          for the vaccine and the
                           in certain          charge to get the shot.
                           states)*
  At a pharmacy*           From a              Your plan coinsurance or          File a claim with Cigna
                           doctor              copay at the pharmacy             to be reimbursed for
                                               for the vaccine itself,           the amount your doctor
                                               and you will need to              charged for giving you
                                               pay your doctor for the           the shot.
                                               total charge to give you
                                               the shot.
  From a doctor            From a              The entire cost of the            File a claim with Cigna
                           doctor              vaccine and the charge            to be reimbursed for
                                               to get the shot.                  the amount your doctor
                                                                                 charged for the vaccine
                                                                                 and for giving you the
                                                                                 shot.

* If you get the vaccine or have it administered at a pharmacy not in the Cigna-HealthSpring Rx (PDP) network,
   you will have to pay a higher, out-of-network rate.
 Vaccinations against the seasonal flu, hepatitis B virus and pneumonia are covered by your medical insurance,
 not by your Cigna-HealthSpring Rx (PDP) plan. Vaccinations required for travel to foreign countries are not
 covered by your Cigna-HealthSpring Rx (PDP) plan.
 If you have questions about which vaccinations are right for you, talk with your doctor.

                                                                                                                  11
Understanding Part B versus Part D coverage

     Your Cigna-HealthSpring Rx (PDP) plan covers many of the medications you need to
     help you make the most of your health. But how those medications are covered depends
     on the type of medications you receive and where you receive them.

     Medicare is made up of several parts            The following types of medications,
     Part B is your medical coverage.                supplies or vaccines are usually covered by
     This part pays for things such as doctor        Part B, and will be paid under your medical
     visits, lab tests and durable medical           plan versus your Part D plan.
     equipment (DME).                                ›   Antigens (allergy injections)
     ›   Medicare requires that certain              ›   Diabetic testing supplies
         medications and DME, such as diabetic
         test strips, neubulizers and wheelchairs,   ›   Hepatitis B vaccines
         be covered under Part B. If you are         ›   Immunosuppressive medications
         unsure about the extent of your
                                                     ›   Influenza (flu) vaccine
         coverage, call customer service to find
         out if your medication is covered under     ›   Infusible/injectable medications that are
         Part B.                                         administered at home that require the
                                                         use of an infusion pump
                                                     ›   Other injectables or intravenous
         Certain medications and medical                 medications that are provided and
         equipment that you may buy in a                 administered by a doctor
         pharmacy may be covered by your
         medical plan, not your Part D plan.
                                                     ›   Inhaled nebulizer medications
                                                     ›   Insulin pumps and the insulin used
                                                         in the pumps

     Part D is your pharmacy                         ›   Pneumococcal (pneumonia) vaccine
     (or drug) coverage.
     This part pays for medications you may
     take regularly to manage heart disease,
     high cholesterol or asthma, for example, or
     for medications you may take for a short
     time, such as antibiotics.
     ›   Cigna-HealthSpring Rx (PDP) provides
         your Part D prescription drug coverage.

     If you need help or are unsure how your drugs will be covered,
     call customer service at 1-800-558-9562 (TTY 711).
12
How to find a supplier for your Part B equipment, drugs and supplies

›   Go to Medicare.gov/supplierdirectory/search.html.
›   Enter your zip code.
›   Select up to five category types for the equipment, drug or supply you need.
›   View your results or revise your search as needed.
›   A list of suppliers will be provided.

      For more information about Medicare benefits and services,
      visit Medicare.gov. Or you can call 1-800-MEDICARE (1-800-633-4227)
      24 hours a day, 7 days a week. TTY users can call 1-877-486-2048.

Understanding prior authorizations

For certain prescription drugs, Cigna requires prior authorization. You or your prescriber
may request a coverage decision or exception for the prescribed medication. Without prior
authorization, the drug may not be covered.

      For more information, please refer to your Drug List or call our
      customer service team at 1-800-558-9562 (TTY 711).
      October 1 – March 31, 8 a.m. – 8 p.m. local time, 7 days a week.
      April 1 – September 30, Monday – Friday, 8 a.m. – 8 p.m. local time.
      Messaging service used weekends, after hours and on federal holidays.

                                                                                        13
Managing your medications

     We’re here to help
     Do you ever forget to take your medication? Do you skip doses?
     Here are some simple solutions.

     I DON’T TAKE MY
                                       HELPFUL TIPS
     MEDICINE BECAUSE:

     ›   I forget.                     Take your medicine at the same time(s) each day.
                                       Set a reminder alarm on your watch or phone.
                                       If you need help, ask someone to do it for you.
                                       Put a reminder note on the bathroom mirror.

     ›   I was supposed to             Call your doctor or pharmacist and ask what you
         take it on an empty           should do. Depending on the medicine, the advice
         stomach and I ate             may be to take it anyway or wait until the next dose.
         breakfast.

     ›   I hate the side               Talk with your doctor. Often, he or she can
         effects.                      recommend ways to lessen side effects or offer you
                                       other treatment options that don’t have the same
     ›   It makes me feel
                                       side effects. Medicines can have unpleasant side
         worse.
                                       effects, but skipping doses can make your condition
                                       much worse.

     ›   I don’t think I need it.      Ask your doctor to explain why you need it at the
                                       prescribed dose. Just because you can’t feel a
     ›   It doesn’t work
                                       difference doesn’t mean the medicine is not working.
         anyway.
                                       Skipping doses, over time, can make your symptoms
     ›   I can get by with less.       worse or allow new problems to develop.

     ›   I can’t remember              Ask your doctor or pharmacist what each medicine is
         why I’m taking it.            for. Ask for an information sheet on each medicine you
                                       take, with the most important information circled.

     ›   I can’t keep track of         Get a weekly or monthly pill organizer at your pharmacy.
         all my pills.                 Ask your pharmacy technician to fill it for you. Call
                                       customer service and ask to be enrolled in Refill Reminders
                                       to receive an email or text when your refill is due.

     ›   If I skip doses, I can        Ask your doctor if there is a less expensive option.
         save money.

     Adapted from: National Institutes of Health Senior Health; Agency for Healthcare Research and Quality.
14
Managing your medications (continued)

Create your personal medication list
                                                          Example
Here’s all you have to do.
›   Go to CignaMedicare.com/group/PDPresources            MY MEDICATION LIST
    to download the form.
›   Scroll down to the “Information for Cigna Medicare    Name:

                                                          Date of birth:                                        Date prepared:

    Part D group plan customers” section.                 PCP name:                                             PCP phone #:

›
                                                          This medication list may help you keep track of your medications and how to use them the right way.

    Select “Personal Medication List” to open the form.   Instructions:
                                                          ›   Use this blank form to add prescription medications, over the counter drugs, herbal products,
                                                              vitamins, and minerals.

›
                                                          ›   Cross out medications when you no longer use them. Then write the date and why you stopped

    Print the form and fill in your medications on        ›
                                                              using them.
                                                              Ask your doctors, pharmacists, and other healthcare providers to update this list at every visit.
                                                          ›   If you go to the hospital or emergency room, take this list with you. Share this with your family or

    the list.                                                 caregivers too.

                                                          Allergies to medications:

Then, keep it with you for reference when you             Drug name:                                    How I take it:

                                                          Doctor:

go to the pharmacy, visit your doctor or when             What I use medication for:

you call Cigna customer service.                          Notes:

                                                          All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna
                                                          Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logos, and other Cigna
                                                          marks are owned by Cigna Intellectual Property, Inc. Cigna-HealthSpring Rx (PDP) is a Medicare Prescription
                                                          Drug Plan (PDP) with a Medicare contract. Enrollment in Cigna-HealthSpring depends on contract renewal.
                                                          909830 a 06/19     © 2019 Cigna. Some content provided under license.           Y0036_17_52812 Approved

                                                                                                                                                                        15
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.

                    1-800-558-9562 (TTY 711).
                    October 1 – March 31, 8 a.m. – 8 p.m. local time, 7 days a week.
                    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.

*Healthy Rewards is a discount program. If your plan includes coverage for any of these services, this program
 is in addition to, not instead of, your plan benefits. Healthy Rewards programs are separate from your
 medical benefits. A discount program is NOT insurance, and you must pay the entire discounted charge.
 Some Healthy Rewards programs are not available in all areas and programs may be discontinued at any time.
 Healthy Rewards participating vendors are independent contractors and solely responsible for any products
 or services provided. Before using any discount program, check with any other insurance or plan you may
 have to determine the same or similar programs, products or services may be available to you at a lesser
 charge. All savings amounts and provider counts are based on Cigna data as of the date of publication and
 are subject to change. Actual savings may vary.

**Not valid with any other offer or discounts. Only available at participating locations and Jenny Craig
  Anywhere. New members only. Restrictions apply.
 This information is not a complete description of benefits. Call 1-800-558-9562 (TTY 711) for more information.
 The formulary, pharmacy network and/or provider network may change at any time. You will receive notice
 when necessary.
 Express Scripts Pharmacy is a trademark of Express Scripts Strategic Development, Inc. Other pharmacies are
 available in our network.
 All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation,
 including Cigna Health and Life Insurance Company. The Cigna name, logos, and other Cigna marks are owned
 by Cigna Intellectual Property, Inc. Cigna-HealthSpring Rx (PDP) is a Medicare Prescription Drug Plan (PDP) with
 a Medicare contract. Enrollment in Cigna-HealthSpring depends on contract renewal. All pictures are used for
 illustrative purposes only. © 2019 Cigna. Some content provided under license.
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