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Carrier Updates

In the spirit of transparency and to help you plan for Medicare’s Annual Election Period (AEP), please be advised that Cigna-HealthSpring will not pay broker commissions for new Maryland customers in 2019.

Despite their best efforts in Maryland, Cigna-HealthSpring has struggled to offer Medicare Advantage products to customers and the community that provide desired value. They’ve experienced difficulty remaining competitive as they’ve been challenged by various factors, including increased medical utilization and reimbursement levels that do not cover the cost of care and providing benefits above Original Medicare. As you know, several other Medicare Advantage carriers have experienced similar Maryland challenges.

What does this mean for you?

  • Maryland is not a Cigna-HealthSpring growth market for 2019.
  • Cigna-HealthSpring will continue to pay new business commissions for new Maryland customers written with 2018 effective dates.
  • Cigna-HealthSpring will not pay new business commissions for new Maryland customers written with 2019 effective dates.
  • As long as you complete all certification requirements for 2019, you will continue to earn renewal commissions for existing Maryland customers that remain enrolled in Cigna-HealthSpring Medicare Advantage plans in 2019.
  • Cigna-HealthSpring will continue to pay new business commissions for customers that reside in Delaware and the District of Columbia.

What does this mean for your Maryland customers?

  • 2019 benefit changes may include increased cost shares or changes to covered benefits.
  • Cigna-HealthSpring will continue to work closely with their aligned provider partners to ensure their customers are provided with quality, efficient, coordinated care.
  • Cigna-HealthSpring expects no significant network changes for 2019. Therefore, customers should experience little to no change with their provider networks.
  • Our 2019 Maryland plan information will be available on Medicare.gov and on the Cigna-HealthSpring website. However, the public will not see normal AEP marketing such as Cigna-HealthSpring direct mail, television commercials or billboards in Maryland.
  • Current customers will receive all customer communication, including the Annual Notice of Change.

It is important to note that this shift does not change Cigna-HealthSpring's commercial or individual strategies in the market in any way. Also, their approach to Medicare Advantage in Pennsylvania, Delaware and the District of Columbia will remain unchanged from previous years.

Cigna-HealthSpring appreciate your understanding of this complex decision. As valued partners, they pledge to support you and your customers in every way possible. Meanwhile, please contact your local Cigna-HealthSpring broker representative or your agency representative with any questions you may have.