1All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

CIGNA Medicare Services2009 Product Overview

2All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Contents

• Medicare Advantage Service Area 3

• Medicare Advantage Premiums & Benefits5

• Medicare Advantage Recruitment Messaging7

• Medicare PDP Service Area 8

• Medicare PDP Benefits 9

• Medicare PDP Premiums 10

• Medicare PDP Recruitment Messaging11

3All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Medicare Advantage Service Area, by State

ME

NH

VT

NY

MA

RI

CT

NJPA

WVVA

NC

SC

GAALMS

LATX

OK AR

TN

KY

0H

MI

FL

INIL

MOKS

NE

SD

ND

MNWI

IA

MT

WY

CO

NMAZ

UT

ID

WA

OR

NV

CA

AK

HI

MD

DE

DC

Benefit Package 1

Benefit Package 2

For 2009, CIGNA has

2 benefit packages,

each containing

4 standard plans—

2 MA-Only plans and

2 MA-PD plans.

The 28 states in the

2009 service area are

shown here.

4All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Medicare Advantage Service Area, by County

1512

counties

1512

counties

Double click here for county

level details(two tabs)

For 2009, CIGNA has

4 county types,

A, B, C & D.

Premiums are lowest

and benefits are

richest in A counties.

2009 counties are

shown here.

Type CountiesA 405B 152C 192D 763 7.0 million

Addressable Pop3.8 million1.6 million1.8 million

CIGNA PFFS County InfoCIGNA PFFS County Info

5All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Medicare Advantage 2009 Premiums & BenefitsBenefit Package

&Plan Name/Type

Benefit Package 1 Benefit Package 2

Plan OneMA-Only

Plan TwoMA-PD

Plan ThreeMA-Only

Plan FourMA-PD

Plan OneMA-Only

Plan TwoMA-PD

Plan ThreeMA-Only

Plan FourMA-PD

A County Premium

B County Premium

C County Premium

D County Premium

Out of Pocket Max

Co-pays

Hospital Inpatient

SNF, days 1-20

SNF, days 21-100

Emergency Room

Urgent Care

World-wide Cvrg

World-wide Max

Lab Services

Diagnostic Tests

Hospital OP

Outpatient Surgery

Ambulance

DME

$0

$20

$40

$70

$3000

$10/$35

$175 days 1-6

$0/day

$125/day

$50

$10/$35

$50

$50,000/yr

15%

15%

$35

$175

$150/trip

15%

$0 or $10

$38 or $45

$58 or $65

$88 or $95

$3500

$10/$40

$250 days 1-6

$0/day

$125/day

$50

$10/$40

$50

$50,000/yr

15%

15%

$40

$250

$150/trip

15%

$55

$75

$95

$125

$2500

$10/$20

$50 days 1-6

$0/day

$50/day

$50

$10/$20

$50

$100,000/yr

15%

15%

$20

$50

$100/trip

15%

$93 or $100

$113 or $120

$133 or $140

Not Offered

$2000

$5/$10

$30 days 1-6

$0/day

$30/day

$50

$5/$10

$50

$100,000/yr

10%

10%

$10

$30

$100/trip

10%

$0

$20

$40

$70

$3600

$15/$40

$250 days 1-6

$0/day

$125/day

$50

$15/$40

$50

$50,000/yr

15%

15%

$40

$250

$150/trip

15%

$18 or $25

$38 or $45

$58 or $65

$88 or $95

$3800

$15/$45

$250 days 1-6

$0/day

$125/day

$50

$15/$45

$50

$50,000/yr

15%

15%

$45

$250

$150/trip

15%

$55

$75

$95

$125

$3400

$10/$20

$100 days 1-6

$0/day

$100/day

$50

$10/$20

$50

$100,000/yr

15%

15%

$20

$100

$100/trip

15%

$93 or $100

$113 or $120

$133 or $140

Not Offered

$3000

$10/$20

$50 days 1-6

$0/day

$50/day

$50

$10/$20

$50

$100,000/yr

10%

10%

$20

$50

$100/trip

10%

Plan Benefits

6All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Medicare Advantage 2009 Benefits ContinuedBenefit Package

&Plan Name/Type

Benefit Package 1 Benefit Package 2

Plan OneMA-Only

Plan TwoMA-PD

Plan ThreeMA-Only

Plan FourMA-PD

Plan OneMA-Only

Plan TwoMA-PD

Plan ThreeMA-Only

Plan FourMA-PD

Blood

Nursing Hotline

Dental, Medicare

Dental, Other*

Eye, Routine

Eye, Medical

Hearing, Routine

Hearing, Medical

Drugs, Part B

Drugs, Part D

Tier 1

Tier 2

Tier 3

Tier 4

$0

Yes

$35

25%

Not covered

$35

Not covered

$35

20%

Not covered

$0

Yes

$40

25%

Not covered

$40

Not covered

$40

20%

Covered

$7

$33

$70 or $80

33%

$0

Yes

$20

25%

$20

$20

$20

$20

20%

Not covered

$0

Yes

$10

25%

$10

$10

$10

$10

20%

Covered

$7

$33

$70 or $80

33%

$0

Yes

$40

25%

Not covered

$40

Not covered

$40

20%

Not covered

$0

Yes

$45

25%

Not covered

$45

Not covered

$45

20%

Covered

$7

$33

$70 or $80

33%

$0

Yes

$20

25%

$20

$20

$20

$20

20%

Not covered

$0

Yes

$20

25%

$20

$20

$20

$20

20%

Covered

$7

$33

$70 or $80

33%

* 2 oral exams, 2 cleanings, & 1 x-ray per year

Note that this is a representation of all plans available in all 1512 counties. In a single state, a producer/ beneficiary would only be presented a single Benefit Package and a single premium for each MA-PD plan and a single Tier 3 co-pay for the MA-PD plans.

7All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

The CIGNA Medicare Access Advantage

Plans available in over 1500 counties in 28 states.

4 Standard plan designs across all counties in each of 28 states.

Both MA-Only and MA-PD plans available.

$0 premium MA-Only and $0 premium MA-PD plans available.

Maximum Out-of-Pocket limits between $2000 and $3800.

Hospital Inpatient co-pays as low as $30 for days 1 - 6.

Outpatient Lab Services and Diagnostic Tests lower than Original

Medicare (10% - 15% co-insurance).

Dental benefit* covered at 75%–and, members can use their own

dentists.

* Member pays 25% co-insurance for 2 oral exams, 2 cleanings, and 1 x-ray per year.

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8All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Medicare PDP Service Area

ME

NH

VT

NY

MA

RI

CT

NJPA

WVVA

NC

SC

GAALMS

LATX

OK AR

TN

KY

0H

MI

FL

INIL

MOKS

NE

SD

ND

MNWI

IA

MT

WY

CO

NMAZ

UT

ID

WA

OR

NV

CA

AK

HI

MD

DE

DC

CIGNA’s Three

simple, affordable, and

easy-to-use

Prescription Drug

Plans are available in

all 50 states and the

District of Columbia.

In 2008, CIGNA has plans with premiums under the state Low-Income-Subsidy benchmark in 24 states—and is within $1 of the LIS benchmark in another 4. We expect similar results in 2009.

In 2008, CIGNA has plans with premiums under the state Low-Income-Subsidy benchmark in 24 states—and is within $1 of the LIS benchmark in another 4. We expect similar results in 2009.

9All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Medicare PDP Benefits, 2009

$295

Plan One

30-day1

$2 - $3 †

$25 - $33 †

$60 - $95 †

25% Co-insuranceN/A

After yearly drug costs reach $2700, member pays 100% of discounted drug price

Member pays 5% of covered drug costs 2

No Deductible

Plan Two

30-day1

$0$6

$33 - $48 †

$75 - $88 †

33% Co-insurance

After yearly drug costs reach $2380 - $2700*, member pays 100% of discounted drug price

Member pays 5% of covered drug costs 2

No Deductible

Plan Three

30-day1

$6$35$60

33% Co-insuranceN/A

After yearly drug costs reach $2530 - 2630*, member pays 25% for select generics and 100% of discounted drug price for all other drugs

Member pays 5% of covered drug costs 2

† Co-payments differ by Medicare Region—consult the CIGNA Medicare website or CIGNA Medicare Rx Information Guide for specific co-pay levels.1 Co-payments are for a 30-day supply at an in-network retail pharmacy. 90-day co-payment is three (3) times the 30-day levels. 90-day mail-order co-payment at our preferred pharmacy is two-and-a-half (2.5) times the 30-day levels.2 Or a co-payment of $2.40 for generic (including brand drugs treated as generic) and $6.00 for all other drugs if co-payment is higher than 5% of cost.

Three Simple Plans

Annual Deductible

Initial Coverage: Tier 1 Tier 2 Tier 3 Tier 4 Tier 5

Coverage Gap:

After Coverage Gap: After out-of-pocket drug costs reach $4,350

* ICL differs by Medicare Region

10All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

Medicare PDP Premiums, 2009

NH/ME

CT/MA/RI/VT

NY

NJ

DE/DC/MD

PA/WV

VA

NC

SC

GA

FL

MedicareRegion

Plan One

PlanTwo

PlanThree

AL/TN

$29.50

$29.50

$26.30

$33.90

$30.50

$28.90

$29.80

$34.00

$30.50

$30.30

$41.00

$28.00

$36.10

$41.70

$44.00

$42.80

$39.60

$38.40

$38.70

$44.50

$34.90

$44.40

$40.70

$40.40

$66.60

$78.60

$77.70

$87.40

$70.20

$71.60

$60.60

$67.10

$65.40

$70.30

$65.10

$70.70

MI

OH

IN/KY

WI

IL

MO

AR

MS

LA

TX

OK

MedicareRegion

KS

$31.90

$40.00

$32.50

$33.80

$29.20

$40.70

$26.10

$30.10

$27.40

$24.80

$34.10

$44.70

$38.40

$40.40

$40.10

$39.70

$42.80

$41.50

$39.20

$43.20

$38.70

$37.20

$43.60

$51.80

$75.20

$64.50

$65.10

$70.60

$68.00

$67.80

$66.50

$62.60

$68.90

$65.40

$73.60

$75.90

IA/MN/MT/NDSD/NE/WY

NM

CO

AZ

NV

OR/WA

ID/UT

CA

HI

AK

MedicareRegion

$50.60

$28.70

$52.70

$22.20

$32.40

$35.30

$37.40

$41.30

$26.60

$37.40

$44.90

$37.60

$47.80

$46.70

$43.50

$48.80

$43.10

$47.10

$43.90

$38.80

$79.90

$65.10

$87.80

$85.50

$79.40

$79.10

$72.20

$78.50

$87.70

$68.20

Plan One

PlanTwo

PlanThree

Plan One

PlanTwo

PlanThree

11All CIGNA Medicare 2009 plan designs described in this document are pending government approval and are therefore subject to change.For producer use only. Distribution to consumers, other insurers, or any other person or company is strictly prohibited.

The CIGNA Medicare Rx Advantage

Plans available in all 50 states and the District of Columbia.

Three simple, affordable, and easy-to-use plans in each state.

Broad national network of over 55,000 pharmacies.

Plan One has low premiums—premiums that were under the LIS

benchmark in 24 states in 2008.

Plan Two has $0 co-pay for select generic drugs, including drugs used

to treat High Blood Pressure and High Cholesterol—high frequency

conditions in the Medicare population.

Plan Three has a broad formulary with select generic coverage in the

doughnut hole.

Online enrollment available to producers.

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