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Important update to the recent DST-SEP notification and

application process changes

CMS has withdrawn their recent guidance regarding changes to the DST-SEP process.

The Centers for Medicare and Medicaid Services (CMS) has withdrawn their memo from December 3, 2024, entitled "Change to Beneficiary Use of the SEP for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency."


This memo announced changes to how beneficiaries could make selections using the Special Election Period for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency (also known as the DST-SEP) which would have been effective on April 1, 2025. We previously communicated these changes on February 6.


Impact to you:


With the withdrawal of this CMS memo, the proposed changes in the application process will no longer take effect on April 1, 2025. Cigna Healthcare® will continue to accept applications using the DST-SEP, and you can continue to use enrollment forms and plan materials that include the DST-SEP.


This update also means that we will continue to communicate DST-SEPs with you throughout the year as we have been doing. To see ongoing SEPs in your area, you can refer to our Ongoing SEP Tracker located in the Resource Center of Producers' University.


Looking ahead:


CMS will provide further guidance on the SEP enrollment process at a later date, and we will be sure to keep you informed. In the meantime, please continue business as usual.


Please note that misuse of the DST-SEP may lead to disciplinary actions through the Sales Development Action Program (SDAP). Review the rules below and only submit applications using DST-SEPs when appropriate.


Reach out to our Cigna Agent Resource Line (CARL) if you have any questions. Thank you for your partnership!

Important reminder: When to use a DST-SEP


SEP for individuals affected by a government-entity declared disaster or other emergency

42 CFR §§ 422.62(b)(18) and 423.38(c)(23)


An SEP exists for individuals affected by a disaster or other emergency declared by a federal, state, or local government entity who were unable to, and did not make an election during another valid election period. This includes both enrollment and disenrollment elections.

 

Individuals are eligible for this SEP if they:


  • reside or resided at the start of the SEP eligibility period where a federal, state, or local government entity declared a disaster or other emergency. 


  • were eligible for another election period at the time of the DST eligibility period.


  • did not make an election during that other valid election period due to the disaster or other emergency. 

Cigna Agent Resource Line (CARL): 866.442.7516

CARL@cignahealthcare.com

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