Terms and Conditions



’’We do not offer every plan available in your area. Currently we represent 1 organizations which offers 9 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. You can talk or live chat with a real person, 24 hours a day, 7 days a week (except some federal holidays)  ADD TTY users can call 1-877-486-2048’’
People with limited incomes may qualify for extra help to pay for their prescription drug costs. If you qualify, Medicare could pay for 75% or more of your drug costs including monthly
prescription drug premiums, annual deductibles, and co-insurance. Additionally, those who qualify won't have a coverage gap or a late enrollment penalty. Many people qualify for these savings and don't even know it. For more information about this extra help, contact your local Social Security office, or call Social Security at 1-800-772-1213. TTY users should call
1-800- 325-0778. You can also apply for extra help online.
If you qualify for extra help with your Medicare prescription drug coverage costs, Medicare will pay all or part of your plan premium. Even if you have Extra Help now, you may need to reapply for it later. If Medicare pays only a portion of this premium, we will bill you for the amount that Medicare doesn't cover.
“I understand that I must keep both Hospital (Part A) and Medical (Part B) to stay in a Cigna Medicare Advantage Precription or MA only, I can only be in one Medicare Advantage (PDP) plan at a time, and I understand that my enrollment in this plan will automatically end my enrollment in another Medicare Health plan or Prescription Drug Plan (exceptions may apply for MA PFFS and MA MSA plans). It is my responsibility to inform you of any prescription drug coverage that I have or may get in the future. Enrollment in this plan is generally for the entire year. Once I enroll, I may leave this
plan or make changes only at certain times of the year when an enrollment period is available (Example: October 15 – December 7 of every year), or under certain special circumstances.
“Cigna Medicare Advantage Prescription Drug Plans serve a specific service area. If I move out of the area that it serves, I need to notify the plan so I can disenroll and find a new plan in my new area. Once I am a member of a Cigna Medicare Advantage Plan, I have the right to appeal plan decisions about payment or services if I disagree. I will read the Evidence of Coverage document from Cigna plan when I receive it to know which rules I must follow to get coverage with this Medicare Advantage plan."
“I understand that when my Cigna Healthcare coverage begins, I must get all of my medical and prescription drug benefits from Cigna Healthcare, except for emergency or urgently neededservices or out-of-area- dialysis services. Benefits and services provided by Cigna Healthcare and contained in my Cigna Healthacare's Medicare Advantage  Prescription Drug Plan's “Evidence of Coverage” document (also known as a member contract or subscriber agreement) will be covered. Neither Medicare nor the carrier willpay for benefits or services that are not covered.
"I understand that if I am getting assistance from a sales agent, broker, or other individual employed by or contacted with the insurance carrier, he/she may be paid based on my enrollment in
the plan.'
“I understand that by joining this Medicare Advantage Plan or Medicare Prescription Drug Plan, I acknowledge that will share my information with Medicare, who may use it to track my enrollment, to make payments, and for other purposes allowed by Federal law that authorize the collection of this information."
“I understand that my response to this form is voluntary. However, failure to respond may affect enrollment in the plan.”
"I understand that the information on this enrollment form is correct to the best of my knowledge. I understand that if I intentionally provide false information on this form, I will be disenrolled from the plan"
Plans are insured through Cigna Healthcare, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Limitations, exclusions and/or network restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.                                                                                               
Low Cost Smiles has a contract with Medicare. The Medicare plans represented are PDP, HMO, PPO plans with a Medicare contract. Enrollment in plans depends on contract renewal. Every year, Medicare evaluates plans based on a 5 star rating system"
 "The following testimonials are provided for informational purposes only and are based on factual information found in the Evidence of Coverage document for the Cigna Preferred Savings Medicare HMO Plan Contract Code H4513-066"
Please note that the testimonials are not intended to guarantee or imply specific results for individuals considering or enrolled in the Cigna Preferred Savings Medicare HMO Plan. The effectiveness and coverage of the plan may vary based on individual circumstances, healthcare needs, and the terms and conditions outlined in the Evidence of Coverage.
It is essential for individuals interested in the Cigna Preferred Savings Medicare HMO Plan H4513-066 to carefully review the Evidence of Coverage document, which provides detailed information about the benefits, limitations, and exclusions of the plan. This document is a legally binding contract that governs the terms of the plan and should be thoroughly understood before making any decisions or relying on the testimonials provided.
It is recommended that individuals consult with healthcare professionals, insurance advisors, or Cigna representatives to discuss their specific healthcare needs and ensure that the Cigna Preferred Savings Medicare HMO Plan is suitable for their individual circumstances.
Please be aware that healthcare plans can change annually and it is essential to review the most up-to-date information and consult with authorized representatives of Cigna for accurate and current details regarding the Cigna Preferred Savings Medicare HMO Plan.
This disclaimer is meant to clarify that the testimonials provided are not guarantees of personal experience and should not be solely relied upon when making decisions regarding healthcare coverage.

Privacy Policy

The Centers for Medicare & Medicaid Services (CMS) collects information from Medicare plans to track beneficiary enrollment in Medicare Advantage (MA) or Prescription Drug Plans (PDP), improve care, and for the payment of Medicare benefits. Sections 1851 and 1860D-1 of the Social Security Act and 42 CFR §§ 422.50, 422.60, 423.30 and 423.32 authorize the collection of this information. CMS may use, disclose and exchange enrollment data from Medicare beneficiaries as specified in the System of Records Lowtice (SORN) “Medicare Advantage Prescription Drug (MARx)”, System Low. 09-70-0588. Your response to this form is voluntary. However, failure to respond may affect enrollment in the plan.


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If you have any questions or concerns about these terms and conditions, please contact us through the contact information provided on our website.

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