America's Benefit Specialist November 2023

MEDICARE MATTERS

we can meet our customers’ unique budgets, health and lifestyles,” said Chris DeRosa, president, U.S. government business, Cigna Healthcare. $0 premium options: Every market has a $0 premium plan, and most plans feature a $0 copay for primary care. Rebates: Most markets offer a plan with a rebate toward the customer’s Medicare Part B monthly premium. Built-in benefits: All plans offer dental, vision and hearing benefits, as well as home delivery of meals following hospital ization and access to fitness benefits. An enhanced hearing benefit covers hearing aids with predictable copays, and routine hearing exams. Value-adds: Additional benefits available in some plans include transportation to and from doctors and pharmacies, an allowance for over-the-counter health-related products, and a support program for caregivers. Convenient options: Cigna Healthcare also offers custom ers an online tool for advance care planning, access to the myCigna app for real-time health and claims data, virtu al-care options for nonemergency urgent care, behavioral health, dermatology and speech therapy needs, and 24-hour help from a nurse advocate over the telephone. Incentives, rewards and allowances: The Cigna Healthy Today card, available to all customers, bundles benefits and incentives onto a single card for convenient use at more than 62,000 participating retailers nationwide. Depending on the plan, the card includes wellness incentives, a reward for vol unteerism, dollars for over-the-counter health-related items, and an allowance for fitness supplies, utilities, and groceries. This year, the card gives customers even more choices, allow ing them to decide how to allocate certain funds. Supplemental options: Cigna Healthcare’s Medicare Sup plement plans are available in 48 states and the District of Columbia. Medicare Supplement plans offer flexible, afford able options and, in most states, premium discounts for customers of the same household. Cigna also offers com panion products for Medicare customers, such as standalone dental plans, and a combined plan including dental, vision and hearing. Standalone Prescription Drug Plans: Three standalone PDPs will be available in all 50 states, the District of Columbia and Puerto Rico. All plans have $0 copay options for select medications purchased through preferred home delivery. Cigna Saver Rx: This economical plan includes lower premi ums, low copays and savings on generic drugs. Cigna Secure Rx: Available to serve customers wanting basic protection and those with a low-income subsidy. Cigna Extra Rx: Provides a high level of coverage with a robust drug list, a large pharmacy network, a low deductible, plus special savings with gap coverage. For the fifth consecutive year the company will expand its MA service area, increasing its footprint to 603 counties across 29 states and the District of Columbia. New to its ser

vice area this year are 25 counties, which includes a first-time entry into Nevada serving the Las Vegas metro area in Clark and Nye counties. Cigna Healthcare will expand its Courage MA only plan to 17 states. This $0 premium plan is available to anyone but is designed to fit U.S. military veterans who have earned bene fits such as TRICARE for Life or VA Healthcare. In some states, the plan features an allowance for caring for a service animal. In Pennsylvania, it includes an allowance for certain home modifications. Cigna Healthcare will also expand its dually eligible special need plans (DSNP) to 68 new counties this year. These plans are available to people who qualify for both Medicare and Medicaid. They include benefits such as utility assistance and allowances for healthy food purchases. All Cigna Healthcare’s DSNPs for 2024 also will feature $0 cost share for all covered drugs in all phases. People can learn more about Cigna plans and find out which plans are available in their locations by plugging in their ZIP codes at www.CignaMedicareInformation.com. AETNA 2024 MEDICARE PLANS OFFER MORE CHOICES, FLEXIBILITY AND SIMPLICITY Aetna, a CVS Health company, has announced its 2024 Medicare products featuring more choices, flexible benefit allowances, a strong provider network and further simplified medical and prescription drug plans that support members’ overall health and well-being. Aetna included dental, vision and hearing benefits on every Medicare Advantage plan, reduced prescription drug costs across its Medicare Advantage Prescription Drug plan portfolio and enriched its Extra Benefits Card and OTC bene fits on many plans. It will also offer new MA plan options and expanded money-saving benefits for individuals who qualify for a Dual Eligible Special Needs Plan (D-SNP) or Extra Help. Aetna made significant investments in its 2024 plan benefits that will offer members more choices, added value and greater flexibility to help with everyday expenses and empower them to achieve their personal health goals. High lights include: Expanded footprint: For 2024, Aetna will offer MAPD plans in 46 states plus Washington DC. It added 255 new counties across the country, providing 2.2 million more Medicare-eligi ble beneficiaries access to an Aetna plan. In total, Aetna will offer MAPD plans in 2,269 counties in 2024, accessible by 58 million Medicare-eligible beneficiaries. $0 premium plan options: Aetna estimates 84% of the Medicare-eligible beneficiaries in the U.S. will have access to a $0 monthly premium Aetna MA plan. Expanded D-SNP products: For those who qualify for both Medicare and Medicaid benefits, Aetna expanded its D-SNP offerings to 433 new counties across 31 states, including a new market in Maryland and new PPO plan options in

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