Cigna Medicare Supplement Plans

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5 percent online enrollment discount
Use any doctor who accepts Medicare
Overall Rating:
4.0 of 5
7 percent household discount
24/7 health information line
Questions? Speak with a Cigna Specialist:
877-566-2921

Cigna is one of the major players in the health insurance market, with almost 40 years in the business. The company ranked 12th on the list of Fortune 500 companies for 2022.1 That status allows for a more robust platform than smaller companies, with perks such as a Healthy Rewards Program offering lifestyle discounts and easy access to health advocates and online resources.

Despite its size, if Cigna offers Medigap coverage in your state, you'll find a maximum of only four of the 10 Medicare Supplement policies available. Also, note that while the quote process on Cigna's website is not as streamlined and easy to navigate as other insurers' sites, the household and online enrollment discounts make it worth your while to research Cigna's policies. Read on as we get into all the details of Cigna's Medigap plans.

Pros and Cons of Cigna’s Medicare Supplement Plans

What We Like About Cigna Medigap

  • See any medical provider who accepts Medicare
  • Additional supplemental insurance available for prescriptions
  • 7 percent household discount
  • 24/7 access to health advocates on the health information line

Things to Keep in Mind About Cigna Medigap

  • Cigna is not offered in all states
  • Not all areas offer the Healthy Rewards Program
  • Cigna offers just four of the 10 possible Medigap plans

Overview of Cigna’s Medigap Plans

Let's take a look at the Medigap plans Cigna offers and their benefits.

Note: Plans F and the High Deductible Plan F are only available for purchase by applicants who were first eligible for Medicare before 2020.

Benefits A F and High-Deductible F** G N
Medicare Part A deductible No Yes Yes Yes
Medicare Part A coinsurance and coverage for hospital benefits Yes Yes Yes Yes
Skilled nursing facility care coinsurance No Yes Yes Yes
Hospice care coinsurance or copayment Yes Yes Yes Yes
First 3 pints of blood Yes Yes Yes Yes
Medicare Part B deductible No Yes No No
Medicare Part B coinsurance or copayment Yes Yes Yes Yes
Medicare Part B excess charges No Yes Yes No
Foreign travel emergency (up to plan limits) No Yes Yes Yes
Additional programs and savings offered by Cigna Yes Yes Yes Yes

*Plan N covers 100 percent of the Part B coinsurance, excluding a copayment of up to $20 for some office visits and a $50 copayment for emergency room visits that don't result in an in-patient admission.
** Plan F is not available to those who became eligible for Medicare on or after January 1, 2020.

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.

How Much Do Cigna Medigap Plans Cost?

The cost of your Cigna plan will vary based on several factors, including your age, location, and sex. In the chart below, we've included an estimate for a 65-year-old male living in Chicago. Just remember: Your rates may be higher or lower than our estimates based on your particular circumstances and location.

Pro Tip: Buying online can save you 5 percent for the life of your policy. This discount is only available in certain states and only applies if you are a new Cigna supplement policyholder. The application must be done solely online, and spouses qualify for the same discount if they are added to the policy at the time you apply.

To help with plan costs, Cigna offers a 7 percent household premium discount, which is an excellent option for spouses or family members. Cigna's household discount is average for the industry, as some go as low as 5 percent and others as high as 14 percent. If you're looking for a larger household discount, consider other providers we've reviewed, like Americo, that offer a 10 percent family discount. This discount is not available in all areas.

Plan Monthly premium*
A $192.93
F N/A
F High Deductible N/A
G $173.25
N $137.71

*These prices do not include any discounts.

How to Buy a Cigna Medigap Policy

As noted above, a discount is available if you complete the entire application and submission online. If you need help and/or prefer to work with an agent, agents are available Monday through Friday from 8:30 a.m. to 8:30 p.m. ET.

Did You Know: Cigna made our list of the best Medigap providers in 2022.


Below is a step-by-step guide to the online process to enroll in Cigna Medicare Supplement.

  1. First, visit Cigna's website. Type in your ZIP code and click “Next.” You'll then be prompted to input your name, date of birth, and gender.
    Enter your ZIP code on Cigna's website

    Enter your ZIP code on Cigna's website

    Input your personal information on Cigna's website

    Input your personal information on Cigna's website

  2. Next, review the plans available in your area and decide which plan is right for you based on your needs.

    Compare Cigna's Medigap options

    Compare Cigna's Medigap options

  3. Next, grab your Medicare card since you will need to input your effective dates.

    Entering your Medicare information on Cigna's website

    Entering your Medicare information on Cigna's website

  4. On the next page, there will be a bit more to read through, but the questions help eliminate any issues that could affect your qualifications for coverage.

    Answering Cigna Medigap qualification questions

    Answering Cigna Medigap qualification questions

  5. Next, we recommend that you see what the competition offers in your area. This is a good idea in general, but it's especially important here, as Cigna does not offer all of the supplement plan options on the market.
  6. If you decide to go with Cigna, you can complete the remaining process online. Payments can be set up as automatic drafts on your chosen day of the month, or you can pay with personal checks through direct billing in annual, semiannual, or quarterly payments.

Bonus: Cigna's Healthy Aging online content offers health and wellness advice for policyholders.

Final Thoughts on Cigna

Cigna is a reputable Medigap provider offering a variety of extra perks and features. We're big fans of their household and online enrollment discounts, Healthy Rewards Program, and other health and wellness content. One drawback is that Cigna only offers four of the 10 standard Medigap plans, so you won't have as many choices as you would with other providers we've reviewed, like Humana or Aetna. However, the plans they offer tend to be among the most popular. If you find that the price is right in your location, and the company provides the plan that fits your needs, Cigna remains an excellent pick for your Medigap policy.

Frequently Asked Questions About Cigna

Citations
  1. Fortune. (2022). Cigna.