Cigna Customers to receive ANOC starting on 10/1

The Annual Notice of Change (ANOC) will be delivered to customers starting on 10/1.

Every year, Cigna Healthcare sends Medicare Advantage customers an Annual Notice of Change (ANOC). This document outlines any cost and benefit changes to the customer's current plan that will be effective during the following plan year.

Customers will begin to receive this year's ANOC starting on October 1, 2024 and may reach out to you, their trusted advisor, for assistance in understanding this document.

The ANOC uses verbiage and terminology that is approved by the Centers for Medicare & Medicaid Services (CMS) and, in some cases, may be challenging for customers to understand.

Cigna would like to make sure you are prepared to answer your customers' questions, specifically pertaining to the medical deductible added to some of the plans. The medical deductible model language used in the ANOC may cause confusion.

There are many services, in addition to insulin furnished through an item of durable medical equipment, where the deductible does not apply. For your ease, Cigna has created a list that outlines which services apply and do not apply to the medical deductible on their plans.*

Please note: The list below does not list all benefits. It is for illustrative purposes only. Refer to the Evidence of Coverage (EOC) for complete details

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The medical deductible DOES NOT apply to the in-network services listed below.

• Primary Care Physician (PCP) / Specialist Visits
• Inpatient Hospital & Inpatient Psychiatric Hospital
• Skilled Nursing Facility
• Emergency/Urgent Services
• Worldwide Emergency/Urgent Coverage
• Home Health
• Chiropractic Care
• Outpatient Mental Health and Psychiatric Services
• Podiatry Services
• Telehealth Services
• Lab Services
• Outpatient Blood Services
• Durable Medical Equipment
• Over-the-Counter Benefits
• Home-delivered Meals
• Medicare Covered Preventive Services
• Annual Physical Exam
• Health Education
• Medicare Part B Insulin Drugs
• Medicare Part B Chemotherapy/Radiation Drugs
• Preventive Dental - Dental X-Rays
• Routine Eye Exams (Supplemental)
• Eyewear/Contact Lenses (Supplemental)
• Routine Hearing Exams (Supplemental)
• Fitting/Evaluation for Hearing Aid (Supplemental)
• Hearing Aids (Supplemental)

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The medical deductible DOES apply to the in or out-of-network services listed below.

• Cardiac & Intensive Cardiac Rehab Services
• Pulmonary Rehab Services
• Supervised Exercise Therapy
• Partial Hospitalization
• Occupational Therapy
• Physical & Speech Therapy
• Opioid Treatment Program Services
• Diagnostic Procedures/Tests
• Diagnostic Radiological Services
• Therapeutic Radiological Services
• Outpatient X-Ray Services
• Outpatient Hospital Services
• Observation Stays
• Ambulatory Surgical Center Services
• Outpatient Substance Abuse
• Ground & Air Ambulance Services
• Air Ambulance (Non-Emergent)
• Dialysis Services
• Medicare-Covered Dental Services
• Medicare-Covered Eye Exams
• Medicare-Covered Eyewear
• Medicare-Covered Hearing Exams

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