1. BETTER HEALTH. BETTER VALUE. MEDICARE ADVANTAGE GUIDE Y0036_15_21295 Approved 09192014

2. IMPORTANT INFORMATION Cigna-HealthSpring ® is a Medicare Advantage Organization. Representatives are licensed insurance agents and certified appointed with Cigna-HealthSpring. Representatives do not work for Medicare. A commission is paid to each agent who enrolls individuals into a Cigna-HealthSpring Medicare Advantage plan. You are under no obligation to join a plan. You give permission to discuss Cigna-HealthSpring Medicare Advantage plans with you. 2 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

3. WELCOME This presentation is designed to help you learn how Cigna-HealthSpring’s Medicare Advantage plans can give you better health and better value. Our hope is that you will: Think about what's important to you. Talk to a Benefit Advisor about your individual needs. Choose a plan that's right for you. 3 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

4. ANSWERS TO QUESTIONS YOU MAY HAVE To join a Medicare Advantage plan, you must: Have both Medicare Part A and Part B Have permanent residence in our service area Not have End Stage Renal Disease (ESRD), (kidney dialysis) If you join a Cigna-HealthSpring Medicare Advantage plan, you may: Keep all the coverage you have with Original Medicare Get more benefits and services with Cigna-HealthSpring 4 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

5. YOUR OPTIONS 5 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna ORIGINAL MEDICARE ONLY Original Medicare covers 80% of approved charges No prescription drugs No dental No maximum out-of-pocket YOU PAY The 20% gap plus deductibles and coinsurance + Part D prescription drugs ORIGINAL MEDICARE with a purchased SUPPLEMENTAL PLAN Original Medicare covers 80% of approved charges No prescription drugs No dental CIGNA-HEALTHSPRING MEDICARE ADVANTAGE PLANS (supplemental plan is not needed) Plan covers 100% of Original Medicare benefits Plan may include coverage for: Prescription drugs Dental Hearing Health club membership Out-of-pocket protection YOU PAY Monthly premium (Supplemental covers the 20% gap) + Part D prescription drugs YOU PAY No / low monthly plan premiums and copays Our plans utilize a team of doctors to coordinate your health care. BETTER HEALTH, BETTER VALUE. +

6. WHY CIGNA-HEALTHSPRING? You can feel confident when you put your trust in Cigna-HealthSpring. 6 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna *Based on statistics found on http://www.cigna.com/about-us/cigna-fact-sheet as of December 31, 2012. **Based on CMS monthly plan membership report which includes Cigna and Cigna-HealthSpring Medicare Part C and D members as of May 2014. ***Based on data from the Cigna-HealthSpring Annual Member Survey as of September 2013. Proudly services over 1 million** customers 4 out of 5*** customers recommend Cigna-HealthSpring to family and friends COMPANY STRENGTH COMMITMENT TO YOU CONTRACTS WITH CMS CUSTOMER SATISFACTION Part of Cigna, a leading global health care company serving millions of people and communities around the world since 1792* One of the largest companies focused on Medicare Dedicated to keeping you healthy Works with your team of doctors to make sure you get the attention and quality care you deserve Contracts with the Centers for Medicare & Medicaid Services (CMS) to offer Medicare-approved Medicare Advantage plans

7. WHAT IS IMPORTANT TO YOU? You can choose a health plan that meets your individual health and budget needs. 7 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna  Staying healthy or getting healthy  Treating chronic disease  Preventive health  Getting the right prescriptions BETTER HEALTH BETTER VALUE  No or low monthly plan premiums  No or low copays and coinsurance  Prescription drug savings  Stronger relationship with your doctor  Dental health  Other: _________________________  Coverage gap protection  Catastrophic health costs protection  Other: _________________________

8. GOOD HEALTH IS IMPORTANT TO YOU 8 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

9. GOOD HEALTH IS IMPORTANT TO YOU 9 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna Doctor partnerships – We partner with your team of doctors and give them extra tools so they can give you the time, attention, and quality care you deserve. Quality of care – We pay doctors for the quality of the care they give you – not the quantity of customers they see. Yearly 360° exam – We treat all of you – not just your symptoms. Your doctor gives you a yearly 360° exam to review your overall health. Preventive care – One of our core beliefs is the importance of preventive care. You are covered for annual physicals and other screenings. Case management – You can always get help from your dedicated case manager. If you have a chronic illness, your case manager is a nurse trained to help you get the right medication, therapies, education, and community resources.

10. WHAT DOES THIS MEAN FOR YOU? Your doctors work with us closely to make sure you get the right preventive care at the right time. Our focus on preventive care offers: Early detection Early treatment or management Better overall health outcomes 10 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna *Results are for year 2012 and reflect the percentage difference between Cigna-HealthSpring customers enrolled in our Partnership for Quality program and Standards of Healthcare data which are based on HMO Medicare customer data collected by the NCQA. Cigna-HealthSpring customers receive*:

11. HOW OUR PLANS WORK Your doctor is the team leader for all your health care needs, so they know your whole health picture. Your doctor will refer you to the right specialists and hospitals – and will work with them to keep you healthy. This teamwork approach makes sure you receive quality care when and where you need it. 11 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna TEAM APPROACHSELF-DIRECTED APPROACH

12. A TEAM APPROACH A referral is a valuable service that can improve overall health outcomes– it’s what you might call a “stamp of approval.” At Cigna-HealthSpring, a referral from your primary doctor is your gateway to a team approach to care with a focus on your needs. At Cigna-HealthSpring, referrals are fast and easy. We use the most current online systems to ensure a streamlined, efficient referral process. Your on-staff Referral Nurse is dedicated to setting up referrals for you based on your doctor’s recommendations. And Cigna-HealthSpring ensures that everyone on your health care team works together. That’s our stamp of approval. 12 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

13. REFERRALS You may need a referral from your primary doctor to: Visit a specialist Go to a health care facility Get certain services A referral is a way for your primary doctor to: Handpick the right specialists or facilities for your needs Communicate with your entire health care team Coordinate a care plan that may include:  Medications  Treatments  Ongoing care  Recent findings  Recommendations 13 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

14. WHEN YOU CAN JOIN Enrolling is easy. Review benefits and services. Talk to a Benefit Advisors if you need advice. Join during the enrollment period that is right for you: 14 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna ANNUAL SPECIAL INITIAL When you turn 65 or when Part A and B become effective Year-round, depending on your situation From October 15 – December 7

15. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Arizona, Inc., HealthSpring Life & Health Insurance Company, Inc., HealthSpring of Tennessee, Inc., HealthSpring of Alabama, Inc., HealthSpring of Florida, Inc., Bravo Health Mid-Atlantic, Inc., and Bravo Health Pennsylvania, Inc. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. This information is available for free in other languages. Please call our customer service number at 1-800-668-3813 (TTY 711), 7 days a week, 8 a.m. – 8 p.m. Esta información está disponible de forma gratuita en otros idiomas. Favor de contactar a nuestro Departamento de servicio al cliente llamando al 1-800-668-3813 (TTY 711), 7 días de la semana, 8 a.m. – 8 p.m. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and / or copayments / coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. Cigna-HealthSpring is contracted with Medicare for PDP plans, HMO and PPO plans in select states, and with select State Medicaid programs. Enrollment in Cigna-HealthSpring depends on contract renewal. © 2014 Cigna