If you have Medicare coverage, you are probably familiar with a time of year known as the Annual Enrollment Period. This is a timeframe, typically from mid-October to early December, when people who are eligible for Medicare can enroll in, disenroll from or change their Medicare Advantage plan for the upcoming year.

Once you select a Medicare Advantage Plan, you have a window from January to mid-February to disenroll and return to original Medicare. You can then purchase a separate Part D Prescription Drug Plan from a private company if you would like to do so.

After the enrollment and disenrollment periods end, you are locked into original Medicare or the Medicare Advantage Plan you selected for the remainder of the year. However, there are some situations that may let you make a change to your existing coverage anytime of the year if you qualify.

A Special Enrollment Period allows you to make changes to your Medicare coverage as a result of a specific circumstance. You may be eligible if you:

• Are clinically diagnosed with certain chronic conditions.

• Are just turning 65 or gaining your eligibility for Medicare.

• Are on a Medicare Advantage Plan that is leaving your zip code.

• Recently moved to a new County.

• Have a household income under $27,000.

If any of these situations apply to you, you may be eligible to make a change to your Medicare coverage for 2014.

Cigna Medicare Advantage HMO plans are among the highest rated Medicare Advantage plans in Arizona.* Achieving a 4.5-star out of 5-star rating for the third consecutive year in 2013 by the Centers for Medicare & Medicaid Services, no other health plan in Arizona rates higher than Cigna.

Some highlights of Cigna’s 2014 Medicare Advantage plans include:

• $0 monthly premiums

• $0 deductible

• $0 unlimited primary care doctor visits

• Affordable prescription drug copays

The network now includes:

• 500 primary care doctors

• 5,700 specialists

• 145 pharmacies

• 45 urgent care centers

• 41 hospitals

To find out if you qualify for the Special Enrollment Period and to learn more about Cigna’s Medicare Advantage Plans, please call 1-855-298-4385 (TTY 711) or visit Representatives are available seven days a week from 8 a.m. to 8 p.m.

*Most recent 2014 rating from Medicare evaluates plans based on a 5- star rating system. Star Ratings are calculated each year and may change from one year to the next.

You must continue to pay your Medicare Part B premium. 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, provider network, premium and/or copayments may change on January 1 of each year. H0354_212014 Accepted

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