Which Cigna Medigap Plan Is Right for Me?
Below are some of the most common concerns and priorities to help you decide which plan works best for you.
You're looking for a little extra protection beyond Original Medicare.
Medigap Plan A, the Medigap plan with the lowest level of coverage, will pay for some of the basic costs not covered by Original Medicare. With Plan A, you'll still pay your Medigap Part A (hospital) and Part B (medical) deductibles. Medigap Plan A will then cover the remaining costs for both hospital and medical expenses, including copays and coinsurance associated with hospice care.
Quick Tip: Medicare Supplement insurance plans A, F, and G provide benefits at higher premiums with limited out-of-pocket costs. Plan N is a cost-sharing plan offering similar benefits at lower premiums with greater out-of-pocket costs.
You're a world traveler and need the extra assurance abroad.
Plans N, G, F, and High Deductible F cover foreign travel emergencies. They cover 80 percent of medically necessary emergency care received outside of the U.S., as long as the care started during the first 60 days of your trip. There is also a $250 deductible each year, and this coverage can't exceed the lifetime maximum of $50,000.
You find that some predictable out-of-pocket costs are a good trade-off for a lower monthly premium.
Plan N offers lower premiums than some of the other Medigap plans. With this plan, you'll be responsible for copayments up to $20 for doctor's office visits or up to $50 for emergency room visits. You'll also be responsible for any excess costs the doctor may charge for services above what Medicare covers.
You prefer the most coverage available.
Plan F boasts the lowest out-of-pocket costs for Medicare-covered services, as it pays the Medicare Part B (medical) calendar year deductible, which most other standardized plans do not.
Quick Tip: If you're new to the world of Medigap, visit our complete Medigap guide to learn more about this type of insurance, who it's best for, how to choose a plan, and more.
You anticipate fewer yearly health expenses but still want the most coverage.
High Deductible Plan F has the same coverage as Plan F but with a much lower monthly premium. Coverage kicks in only after you pay the (higher) calendar year deductible of Medicare Part B.
You require the highest level of coverage but prefer a lower monthly premium.
Plan G and Plan F provide the highest levels of coverage. Plan G provides nearly the same level of coverage as Plan F, which offers the most coverage with zero out-of-pocket costs for Medicare-covered services. However, you'll need to pay the Medicare Part B (medical) annual deductible before Plan G kicks in.
