what S important to you?

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1 medicare Open enrollment is October 15 December 7, 2013 with a plan effective date of January 1, Simple. Secure. SavingS. what S important to you? If you are just turning 65, you can enroll in a Medicare Prescription Drug Plan three months before and after your 65th birthday a 08/13 S5617_14_8846a Approved 8/13/2013

2 Extra HElp As you review this guide, please remember that you may qualify for Extra Help, a federal program to help pay for your prescription drug premiums and costs, as well as get help with other Medicare costs. To see if you qualify for Extra Help, call: MEDICARE ( ). TTY users should call , 24 hours a day/7 days a week or, visit The Social Security office at between 7 am and 7 pm, Monday through Friday (TTY users should call ). Your State Medicaid office.

3 medicare. we ll make it easy. Finding the right prescription drug plan to meet your unique needs can be confusing. You want to know you re making the right choice that will provide you with both security and savings. At Cigna, we get that. That s why we offer multiple Medicare prescription drug plans. So you can choose the one that s right for your health needs, your priorities and your wallet. SimplE. SEcurE. SavingS. Whatever matters most to you, we have plan options that can help. Some of our plans include: Low monthly premiums Coverage for 98% of the most commonly used drugs by people in No copays for generics Medicare plans 1 No deductible plans Extra savings from discounts and coupons $0 copay medications for blood pressure, heart health, ulcer therapy, diabetes, cholesterol, osteoporosis, glaucoma, alzheimers, thyroid and more And no matter which plan you choose, you ll always have easy access to our team of Medicare Part D experts. 1. Based on the top 100 Part D prescription drugs used by Medicare-eligible customers. The 98% of drugs not covered are brand-name drugs with a covered generic equivalent available. Call us today Call us toll-free to talk with one of our Medicare specialists (TTY 711) from 8 am to 8 pm (local time) seven days a week Online Visit us online at 1

4 how it works. getting the most Out Of medicare. To get the most from Medicare, it helps to understand the basics of how it works. Original Medicare (also called Traditional Medicare) is a government program designed to provide basic health care insurance to Americans once they turn 65 or earlier if they become disabled. If you or your spouse worked, you paid into the Medicare fund every payday. Once you reach age 65, it s your turn to start putting that money to use. WHEn can you Enroll? There are three types of enrollment periods: 1. Initial: When you turn 65. For those new to Medicare, there is a sevenmonth window in which to enroll in Original Medicare and then choose your Medicare options. This enrollment period includes the three months before, during and after your 65th birthday month. 2. Special: Year-round. For those who qualify to enroll at a special time due to special circumstances or situations such as; moving into or out of plan service area, losing employer insurance coverage, gaining or losing Medicaid financial assistance eligibility, qualifying for Extra Help, current plan termination, qualifying for a Special Needs Plan or turning 65 while on Medicare disability. 3. Annual: October 15 December 7 every year. All Medicare beneficiaries can enroll, switch or drop Medicare Advantage and Prescription Drug coverage during this time each year. Coverage begins January 1 and will continue for the calendar year. 2

5 medicare is made up of SEvEral parts: parts a, B, c and d. Original Medicare (Medicare pays 80% and you pay 20%) Part A: Hospital Insurance Medicare Part A covers approved inpatient hospital costs, including skilled nursing facilities, home health care and hospice care. Once you turn 65, you re automatically qualified to participate in Part A. There is no cost to you (outside of your deductible) because you or your spouse paid Medicare taxes while working. Part B: Medical Insurance Medicare Part B covers doctors visits, medical services and supplies, therapies, ambulance services, outpatient surgeries and more. Part B is optional because you have to pay a monthly premium and annual deductible to receive it. Your monthly premium may also go up if you don t sign up for Part B when you first enroll in Medicare. Once you ve paid your deductible, Medicare Part B will cover 80% of any additional costs and you are responsible for the remaining 20%. Part C: Medicare Advantage Plans Medicare Part C is provided by Medicare Advantage Plans, replaces Original Medicare and provides all of your Part A (hospital) and Part B (medical) coverage. In addition, many Medicare Advantage plans also include Part D prescription drug coverage and plan extras. Medicare Advantage plans feature simple copays, zero or low monthly plan premiums and may require staying within a doctor network. You must be enrolled in Medicare Parts A and B to join a Part C Medicare Advantage plan. Part D: Prescription Drug Coverage Medicare Part D is designed to help lower prescription drug costs and can be purchased through private companies like Cigna. There are three coverage phases and your costs change in each phase. Deductible and Initial Coverage If a plan has a deductible you must pay those initial costs. Then you will only pay a copay or coinsurance for your drugs until you reach the Initial Coverage limit. Coverage Gap This is commonly referred to as the doughnut hole. Here you will pay a discounted amount that is 47.5% for brand and 72% for generic drugs. Once your combined drug costs reach the upper level of the Coverage Gap, you will have Catastrophic Coverage. Catastrophic Coverage Once you have Catastrophic Coverage you will pay a small amount for medications, typically as low as 5% of the cost of the drug. 3

6 Save even more. SHop preferred pharmacies for EvEn more SavingS.* We want you to pay the lowest price possible for your medications. When you choose to get your medications at one of these preferred pharmacies, you ll pay a lower amount and maximize your savings. Plus you ll be able to take advantage of additional store discounts and rewards programs specifically for our Medicare customers. And with over 15,300 preferred pharmacies across the U.S., finding one is easy: chain name StorE names CVS/pharmacy: CVS/pharmacy, Longs Drugs H-E-B: KrOGEr: Family of Pharmacies SAfEWAY: H-E-B Pharmacy Baker s Pharmacy, City Market Pharmacy, Dillon Pharmacy, Fred Meyer Pharmacy, Fry s Food and Drug, Gerbes Pharmacy, Jay C Food Stores, King Soopers Pharmacy, Kroger Pharmacy, Pay Less Pharmacy, QFC Pharmacy, Ralph s Pharmacy, Scott s Pharmacy, Smith s Pharmacy Safeway Pharmacy, Dominick s Pharmacy, Tom Thumb Pharmacy, Randalls Pharmacy, Carrs Pharmacy, Vons Pharmacy, Pavilions Pharmacy WALMArt: Walmart, Sam s Club, Neighborhood Market, Walmart Express For more information about the preferred pharmacies available through our plans, visit our special page at * Other pharmacies are available in our pharmacy network. Customers who use the preferred pharmacies listed above will receive the preferred copays. 4 Call us today Call us toll-free to talk with one of our Medicare specialists (TTY 711) from 8 am to 8 pm (local time) seven days a week Online Visit us online at

7 extra Savin gs. discounts and coupons to HElp you live HEaltHy. A prescription drug plan should do more than just help you pay for your medications. We think it should also help you live a healthier and happier life. That s why our Medicare Rx Plans all come with additional savings programs to help you do just that: Healthy rewards * Get money-saving discounts on popular health and wellness products and services: Hearing exams and aids Save up to several hundred dollars on the purchase of a hearing aid, plus free batteries for 2+ years and 3-year warranty including loss and damage control. For existing hearing aids, save 55% on batteries. Plus 40% off diagnostic services/testing at over 2,700 locations. Vision exams and eyewear Discounts for routine vision services including exams and eyeglasses through the Vision Network Savings Program. Over 20,000 locations nationwide, including Empire Vision, JCPenney Optical, Sears Optical, Pearle Vision and Visionworks. Chiropractic/acupuncture/massage therapy Savings up to 25% off usual and customary fees for services. Weight and nutrition Savings up to 25% off weight and nutrition programs including Jenny Craig, Healthyroads Weight Management and more. Fitness clubs Savings of at least 10% off initiation and/or monthly dues. Everyday Healthy Values sm We make it easy for you to save with healthy foods and products ones you buy everyday at the supermarket. Recent coupons have included: Yogurt Toothpaste Cereal Coffee Vitamins Over-the-counter medications Many are high value coupons so the savings could add up each week for you. Additional programs and discounts include weight and nutrition assistance, laser vision care, smoking cessation programs and discounted dental care products. * Some Healthy Rewards programs are not available in all states. If your Cigna plan includes coverage for any of these services, this program is in addition to, not instead of, your plan benefits. A discount program is NOT insurance and you must pay the entire discounted charge. 5

8 cigna medicare rx (pdp) plans compare plans and find your right fit. For 2014, we offer three plans all are available nationwide. Each plan offers a different level of flexibility and value. Take a look and see which one is right for you. SEcurE SEcurE -xtra SEcurE-max This plan offers the lowest This plan offers a moderate This comprehensive plan premiums and is the right premium and no deductible. features no deductible fit for someone who needs This is a great fit for and additional coverage basic protection to reduce someone looking for in the gap. Premiums the cost of their medications. more predictability and are higher, but the plan security. offers the broadest list of covered drugs and is a good fit for someone who needs the highest level of predictability and security. EacH plan is SimplE to use and designed for SavingS. What about your specific drugs? Are they covered? You can search for your specific medications by visiting our formulary page at Or, of course, you can talk to one of our experts directly and we can make it easy. We will review your medications and the costs you can expect with each plan. Learn more about each plan on pages 8 and 9. 6 Call us today Call us toll-free to talk with one of our Medicare specialists (TTY 711) from 8 am to 8 pm (local time) seven days a week Online Visit us online at

9 StatE By StatE premiums* SeCure SeCure-Xtra SeCure-MaX SeCure SeCure-Xtra SeCure-MaX State Monthly premium Monthly premium Monthly premium AK $33.90 $63.70 $ AL $28.90 $72.40 $ AR $28.20 $69.70 $ AZ $46.80 $57.20 $ CA $51.90 $57.80 $ CO $46.10 $62.20 $ CT $27.60 $58.20 $ DC $30.60 $56.30 $ DE $30.60 $56.30 $ FL $59.10 $58.60 $ GA $30.00 $64.30 $ HI $22.90 $54.10 $98.40 IA $31.80 $70.10 $ ID $46.70 $73.50 $ IL $26.40 $63.90 $ IN $32.30 $70.30 $ KS $32.40 $71.90 $ KY $32.30 $70.30 $ LA $31.70 $66.40 $ MA $27.60 $58.20 $ MD $30.60 $56.30 $ ME $28.70 $60.90 $ MI $26.40 $71.20 $ MN $31.80 $70.10 $ MO $32.40 $68.50 $ MS $27.40 $68.30 $ State Monthly premium Monthly premium Monthly premium MT $31.80 $70.10 $ NC $27.40 $66.30 $ ND $31.80 $70.10 $ NE $31.80 $70.10 $ NH $28.70 $60.90 $ NJ $47.30 $50.30 $ NM $34.20 $63.00 $ NV $39.60 $65.20 $ NY $36.80 $53.30 $ OH $41.40 $69.00 $ OK $26.60 $65.10 $ OR $50.00 $65.20 $ PA $33.20 $62.90 $ RI $27.60 $58.20 $ SC $33.10 $60.30 $ SD $31.80 $70.10 $ TN $28.90 $72.40 $ TX $27.40 $62.10 $ UT $46.70 $73.50 $ VA $26.20 $64.50 $ VT $27.60 $58.20 $ WA $50.00 $65.20 $ WI $31.70 $71.60 $ WV $33.20 $62.90 $ WY $31.80 $70.10 $ * You must continue to pay your Medicare Part B premium. 7

10 plans at a glance SHop. compare. choose. Call us to find out if the medications you take are covered and get an estimate on what your out-of-pocket costs will be for the year. 2 Secure Secure-xtra Secure-max Deductible $310 No deductible No deductible Pharmacy Preferred 1 Non-Preferred 1 Preferred 1 Non-Preferred 1 Preferred 1 Non-Preferred 1 Tier 1 0 $10 $0 $10 $0 $10 Tier 2 $3 $9 $19 $33 $5 $33 $4 $33 Copays Tier 3 $29 $45 $35 $45 $35 $38 $45 $21 $25 $45 Tier 4 $59 $91 $70 $95 $84 $87 $95 $71 $74 $95 Tier 5 25% 25% 33% 33% 33% 33% 90-day supply 2.5 x copay 3 x copay 2.5 x copay 3 x copay 2.5 x copay 3 x copay Coverage gap Standard coverage Standard coverage Coverage for tier 1 & 2 drugs and some coverage for tier 3 & 4 drugs Plan extras Preferred pharmacy savings Vision discounts Hearing discounts Coupon savings Notes: tier 1 Drugs Includes medications for blood Standard coverage gap You will pay approximately pressure, heart health, ulcer therapy, diabetes, 47.5% on brand-name drugs and 72% of generic drug cholesterol, osteoporosis, glaucoma, alzheimers, costs (does not apply if you are receiving Extra Help). thyroid and more. extra Help Premiums, copays, coinsurance and Catastrophic Coverage All plans have Catastrophic deductibles may vary based on your Medicaid Coverage. After out-of-pocket costs for your Part eligibility category and/or the level of Extra Help you D drugs reach $4,550 you pay 5% of covered drug receive. Please contact the plan for further details. costs or if higher $2.55 (generic or brands treated as generic) and $6.35 (all other drugs). extra Help-Preferred Pharmacies If you receive Extra Help from Medicare you will pay your reduced copay at a preferred or non-preferred pharmacy in many cases. However, for all Tier 1 drugs, the $0 dollar copay at a preferred pharmacy may be less than your Extra Help copay. Cigna Home Delivery Provides savings of $10, compared to the preferred pharmacy stores, for a 90-day supply. 1. Ranges are state variations. 2. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or copayments/ coinsurance may change on January 1 of each year. 9

11 enrolling is easy. Whether you are interested in signing up for a plan yourself, or you have been entrusted as a caregiver for a loved one, we make enrolling a breeze. Call, click or enroll by mail. It s your choice. you are making an important decision. So take your time. Ask questions. Don t be shy. We want you to be happy with your choice. After all, what s more important than your health? Call us today Call us toll-free to talk with one of our Medicare specialists (tty 711) from 8 am to 8 pm (local time) seven days a week Go online Visit us online at Mail us the form Complete the enclosed enrollment form and mail it back to us at the address listed on the form 10

12 get connected. Be inspired. online resources to HElp you live WEll. We make it easy and fun for our customers to learn about Medicare and ways to live a long and healthy life through a dedicated website called Senior Momentum. There you ll find helpful videos, articles and internet links designed to motivate and inspire you and your friends to live your best life. Visit. Learn. explore. and get inspired to live well

13 additional information disclosures and disclaimers, Etc. Employer and union coverage: If you or your spouse has, or is able to get, employer group coverage, you should talk to your employer to find out how your benefits will be affected if you join Cigna Medicare Rx. Get this information before you decide to enroll in this plan. Star ratings: Cigna Medicare Rx plan performance star ratings are included as a separate flyer. Plan performance star ratings are based on five stars. Plan performance star ratings are assessed each year and may change from one year to the next. Network and preferred pharmacies: Cigna Medicare Rx has formed a network of pharmacies. You must use a network pharmacy to receive plan benefits. Cigna has designated certain pharmacies as preferred pharmacies. You will receive extra savings on the copays when you use preferred pharmacies. Extra Help and preferred pharmacies: If you receive Extra Help from Medicare you will pay your reduced copay at a preferred or non-preferred pharmacy in many cases. However, in some cases at our preferred pharmacies our plan copay may be less than your Extra Help copay. Example: At a preferred pharmacy you would pay the lower Cigna Medicare Rx $0 copay for Tier 1 drugs. 12 Call us today Call us toll-free to talk with one of our Medicare specialists (TTY 711) from 8 am to 8 pm (local time) seven days a week Online Visit us online at

14 looking for other medicare products? cigna can HElp. If you re interested in learning more about our Medicare Advantage (Part C) or Medicare Supplement plan options, call us toll-free today at , 8am to 8pm (local time), seven days a week. TTY users should call 711.

15 This information is available for free in other languages. Please call our Customer Service number at (TTY 711), 8 am to 8 pm (local time), seven days a week. Esta información está disponible de forma gratuita en otros idiomas. Favor de contactar a nuestro Departamento de servicio al cliente llamando al (TTY 711), 8 am to 8 pm, los 7 días de la semana. Cigna, Cigna Medicare Services, Cigna Medicare Rx (PDP), the Tree of Life logo and GO YOU are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, including Cigna Health and Life Insurance Company (CHLIC), and not by Cigna Corporation. Cigna Medicare Rx is a PDP plan with a Medicare contract. Enrollment in Cigna Medicare Rx depends on contract renewal. All models are used for illustrative purposes only a 08/ Cigna. Some content provided under license.