Cigna True Choice Medicare (PPO) Annual Notice of Changes

What Is the Annual Notice of Changes?

The Annual Notice of Changes (ANOC) is a federallymandated document that Cigna sends to every enrollee of the True Choice Medicare (PPO) plan each fall. It summarizes the upcoming plan years:

• Premiums and costsharing amounts
• Benefits that are added, modified, or removed
• Network changes (doctors, hospitals, pharmacies)
• Any new rules that could affect coverage or claims

The purpose of the ANOC is to give you enough timeusually at least 45 daysto review the plans new terms, compare them to other Medicare options, and decide whether to stay with Cigna or switch to a different plan.

Key Dates for 2024

Mark these dates on your calendar. Missing the deadline may lock you into the 2024 terms unless a Special Enrollment Period (SEP) applies.

What Changed in 2024?

Premiums

Individual premium: $136.90 (up $5 from 2023)

Family premium: $274.50 (up $10 from 2023)

CostSharing

• Innetwork office visit copayment: $20 (unchanged)
• Outofnetwork office visit copayment: $40 (down $5)
• Hospital inpatient daily coinsurance: 20% (unchanged)
• Prescription drug tier 1: $5 copay (unchanged)
• Prescription drug tier 4: 30% coinsurance (up from 25%)

Benefits Added

• Telehealth visits covered at the same innetwork copay as inperson visits.
• Annual wellness visit now includes a free comprehensive eye exam.
• Expanded coverage for overthecounter vitamins and minerals (up to $150 per year).

Benefits Removed or Reduced

• Coverage for certain experimental imaging services eliminated.
• Annual chiropractic benefit reduced from 12 to 8 visits.

Network Changes

Cignas PPO network grew by roughly 4%. New hospitals added in the Midwest and Southwest regions. However, three small rural clinics in Montana were removed. An online provider lookup tool (link below) can verify whether your preferred doctors remain innetwork.

Search the 2024 PPO provider directory

How the Changes May Affect You

Understanding the practical impact helps you decide whether to stay with the plan.

• Higher premium: If your budget is tight, the $5 increase could be a deciding factor.
• Prescription costs: If you use hightier drugs, the 30% coinsurance may raise your outofpocket spend.
• Telehealth coverage: If you frequently use virtual visits, the new parity rule is a clear benefit.
• Network continuity: Verify that your primary doctor and any specialists remain innetwork; outofnetwork visits now cost double the copay.

Your Options After Receiving the Notice

Once you have reviewed the ANOC, you have three main paths:

1. Stay enrolled No action needed; you will automatically be covered under the 2024 terms.
2. Switch to a different Cigna Medicare PPO Use the same enrollment window to choose another plan that better fits your needs.
3. Enroll in a nonCigna Medicare Advantage or Medicare Supplement plan You may want to compare costs and benefits using Medicare.govs Plan Finder.

Remember: Any change must be completed by December7,2023, unless you qualify for an SEP (e.g., moving out of the plans service area, loss of other coverage, or a change in financial circumstances).

Common Questions

Do I need to sign anything?

No. The ANOC is informational only. Your enrollment remains active unless you choose to change it.

What if I missed the mailing?

The notice is also posted online. You can access it anytime by logging into your Cigna member portal.

Will my existing prescriptions be covered?

Yes, all drugs that were covered in 2023 remain covered unless they move to a higher tier, which could change costsharing.

Can I keep my current doctor if they left the network?

You can continue seeing an outofnetwork doctor, but youll pay the higher outofnetwork copayment and the plans outofpocket maximum will apply.

Where to Get Help

If you have questions that this page does not answer, you can reach out to Cigna in several ways:

• Member Services Phone: 18005551234 (available 24/7)
• Online Chat: Log in to member.cigna.com and click Chat with a representative.
• Local Medicare Counseling: Your State Health Insurance Assistance Program (SHIP) offers free, unbiased help. Find yours at shiptacenter.org.

Take the time to review the notice, compare your options, and make the choice that best supports your health and finances for the coming year.