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Cigna Medicare Supplement Plans


Cigna Medicare Supplement Plans are just some of the illustrious products the nationwide insurance provider offers, in addition to health, life, accident, and disability coverage.

Insurance companies that offer a wide variety of products are typically healthy and stable, with Cigna being no exception. They insure over 70 million people worldwide and have been helping people like you since 1982.

Cigna offers plan options in many states. Its subsidiaries, Loyal American Life Insurance Company and American Retirement Life Insurance Company, also sell their Medigap policies.

Does Cigna Have a Medicare Supplement Plan?

Cigna offers various products, including Medicare Supplement (Medigap) plans. Cigna Medicare Supplements provide the same coverage as other carriers. The differences among companies involve underwriting guidelines, rate increase histories, and monthly premium prices.

Original Medicare (Part A and Part B) is primary insurance, and your Medicare Supplement plan is secondary. If Medicare covers a service, then your Cigna Medigap policy will cover their share of the service provided. Medicare pays the claims first, and then the remainder is sent to Cigna.

If you stay enrolled in Medicare and pay your premiums, your policy remains in force, regardless of your health conditions. Cigna offers several standardized Medigap options.

Your Medicare Supplement plan could cover your deductibles and coinsurances. Of course, this depends on the Medigap plan you choose.

Let’s explore some of the many reasons people choose Cigna.

Cigna Medicare Supplement Reviews

Choosing a carrier is more than picking the lowest price. Our clients who choose Cigna Medicare Supplement plans give us positive feedback.

Cigna Medicare Supplements will likely continue to be a top seller because of the carrier’s reputation for delivering quality healthcare benefits. A.M. Best rates Cigna an A, which means the company is excellent.

In most areas, Cigna is comparable to other top companies with underwriting guidelines, although they may be slightly strict. However, the tighter policies help them keep rate increases lower for existing clients.

Is Cigna a Good Medicare Supplement Option for Seniors?

Many seniors are pleased to have Cigna as their insurance provider. When Medicare approves the claim, the plan approves it. Plus, you can go to any doctor that accepts Medicare in the United States, and your coverage includes emergency foreign travel coverage.

Cigna Medicare Supplement Rate Increases

Rate increases vary from state to state, so finding the best company is just as important as finding the best plan. Cigna Medicare Supplement rate increases average 7%.

It’s essential to remember that rate increases vary by plan and state. The best way to keep your costs low is with the help of a licensed agent, just like the ones on our team.

Cost of Cigna Medicare Supplement Plans

Cigna Medicare Supplement Plan premiums vary in each state. They can also use different pricing methods in each state to determine your premium.

Other factors will also impact your premium, including your age, location, gender, habits like smoking, etc. That’s why no agent or broker can give you an accurate quote without some personal information.

For example, a male residing in California (90011) that’s 75 years old and a non-smoker pays an average premium between $236 and $513 for Medigap Plan F and $156 and $316 for Plan G.

Meanwhile, a 66-year-old, non-smoking female residing in Texas (77494) could pay an average premium of $110 to $484 for Medigap Plan F and $90 to $446 for Plan G.

As you can see, rates can change based on several variables. Having an agent by your side is essential to compare all the available plans and carriers.

Cigna Medicare Supplement Provider Eligibility and Enrollment

You’re eligible for Cigna Medicare Supplements as long as your Medicare Part B is in effect. Unlike the Parts of Medicare, you can enroll in a Medicare Supplement plan at any time.

To avoid underwriting, however, you must enroll during your Medicare Supplement Open Enrollment Period.

Cigna allows seniors to pre-enroll in a policy 90 days before the effective date.

What Does Cigna Medicare Supplement Cover?

A Cigna Medicare Supplement plan will cover the costs Original Medicare on its own leaves behind . Seniors enjoy benefits they can use toward out-of-pocket costs for their healthcare, copays, coinsurance, and deductibles.

Other Cigna Medicare Coverage

Other coverage types from Cigna are available to seniors. These include Cigna Medicare Part D plans, which contract with about 64,000 network pharmacies throughout the country, including major retail pharmacies, grocery chains, and local independent pharmacies. With a network this large, you get access to pharmacies in your area.

There are Part D plans that offer a discount when you order a 90-day supply through Cigna’s preferred network mail-order pharmacy. Discounts will vary by plan. They even have delivery options for your medications, and you get lower cost-shares. So, you save money on your medicine and on your fuel.

Cigna has Medicare Advantage Plans that include drug coverage, as well as plans that don’t cover drugs. Medicare Advantage Plans use networks of doctors and hospitals. It’s important to make sure your primary physician is in their network before enrolling.

That’s one of the main reasons seniors choose to enroll in a Cigna Medicare Supplement vs. Advantage plan.

What Is Cigna Medicare Supplement Plan G?

Cigna Medicare Supplement Plan G is are one of the most popular options available to seniors along with Plan F and Plan N. However, because eligibility for Medigap Plan F is unavailable to thos eligible for Medicare after January 1, 2020. Medicare Supplement Plan G is a popular alternative.

Seniors enrolling in Cigna Medicare Supplement Plan G are responsible for paying their annual Medicare Part B deductible, but receive 100% coverage for their Medicare Part A deductible, hospice copayments, coinsurance, and Part B excess charges.

Furthermore, seniors will also enjoy guaranteed renewable policies and additional foreign travel emergency benefits regardless of their health.

Last but certainly not least, your Medigap Plan G provides all of these benefits with lower monthly premiums for your healthcare coverage.

How To Cancel Cigna Medicare Supplement

You can reach out to your insurance agent to cancel your Medicare Supplement plan anytime. There is no penalty for unenrolling, nor is do you need to wait for a disenrollment period. However, before you cancel your policy, it’s important to remember the following:

  • Once you cancel, you may never be able to enroll in your previous Medigap plan again.
  • Getting another Medicare Supplement plan can be difficult as well and you may need to undergo medical underwriting to qualify.

Understandably, your healthcare needs may change over time and canceling your policy may be the right decision. But before you do, we always advise speak with your healthcare agent to ensure that you are making the best decision for your needs.

Does Cigna Medicare Supplement cover dental?

Dental coverage is best when you buy a separate policy because you can enjoy the benefits of comprehensive dental care before you need your coverage. So, it’s best to buy a policy that will cover you when you need those services.

How to Enroll in a Cigna Medicare Supplement Plan Today

When you talk to one of our experts, they check the rate increase trends in your area. Our agents are familiar with the underwriting process. So, instead of facing denial of coverage or wasting your time trying to figure out who will approve your policy, give us a call.

We can provide quotes from top Medigap carriers in your area. To speak directly to a licensed agent in your area, please call the phone number above. Or, fill out an online rate form and see how much a Cigna Medicare Supplement plan in your area costs!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

4 thoughts on “Cigna Medicare Supplement Plans

      1. I Have Cigan supplement and my husband and I deceided to get Cigna prescripotion plan..Now we were paying $24,00 each which was a good deal considering I was on only on Atoravastatin. My husband had many prescriptions.. Now our premium went to $44.00 which is too much since my husband passed away July 19, 2021 Now I have less income coming in and can not really afford 44..00 a month. why can’t it stay at $24 dollars.

      2. Maureen, I am very sorry to hear about your husband’s passing. Part D plan premiums change annually, however there are options available to help offset the costs. You can apply for Extra Help through Medicare for financial assistance with Part D premiums. However, keep in mind that you can review your drug plan each year during the Annual Enrollment Period to make changes if necessary.

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