< Agent Blog
Sep
30
,
2024

Cigna Customers to receive ANOC starting on 10/1

September 30, 2024
Cigna

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

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)

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

View Details >View Details >

Questions? Call us at 855-888-8326.

Don't have a MedCareValue page yet?

Get Your FREE Site >

Posts you may be interested in...

Read More

Highmark Newsletter: Important Highmark Medigap Updates

May 20, 2025
Agent Blog Icon - Indicates this is a blog article.

Upcoming PA, WV, and DE Medigap Updates: Effective July 1st!

Read More

UnitedHealthcare: Changes to Commissions for AARP Medicare Supplement Plans

May 19, 2025
Agent Blog Icon - Indicates this is a blog article.

UnitedHealthcare is providing you a new Commission Amendment featuring changes to the commission schedule for AARP® Medicare Supplement Insurance Plans, insured by UnitedHealthcare® Insurance Company (UHIC) and UnitedHealthcare® Insurance Company of America (UHICA).

Read More

Cigna: Business technology enhancements coming soon!

May 15, 2025
Agent Blog Icon - Indicates this is a blog article.

You can expect more information and resource links in a few weeks

Read More

Anthem: Important updates on Ohio HB315A and HB315B legislation

May 14, 2025
Agent Blog Icon - Indicates this is a blog article.

Additional updates related to OH HB315A and OH HB315B.

Read More

Cigna: DVH Plus launch rescheduled to May 27.

May 13, 2025
Agent Blog Icon - Indicates this is a blog article.

The launch of Flexible Choice Dental, Vision & Hearing (DVH) Plus insurance in CA, FL, IL, PA, and TX will now take place on May 27.

Read More

Highmark: SPAP SEP Reminders and more

May 13, 2025
Agent Blog Icon - Indicates this is a blog article.

Changes to MA, D-SNP, and Medigap Application Process Beginning August 1, 2025 and additional updates inside.

Who we are & what we do.

Choosing an FMO to work with is not just about having access to top insurance products and commissions, it’s about finding a one-on-one agent service that is prepared to meet your needs.  

Get to know us, and see how we can help you take your business to the next level.

Learn More

Helpful Links

New Here?

We love meeting new people! Fill out the form below, and one of our sales directors will get in touch with you shortly.

Thank you! Your form has been received!
Oops! Something went wrong while submitting the form