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Cigna Medicare Supplement Plans

Cigna, one of the largest health insurance companies in the United States, offers a variety of Medicare supplement plans to help cover out-of-pocket costs left by Original Medicare. Cigna Medicare Supplement Plans are just some of the illustrious products offered by the nationwide insurance provider in addition to health, life, accident, and disability coverage.

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Cigna offers several plan options across the U.S. However, not every plan is available in all areas. So, doing your research beforehand is essential when enrolling in Cigna Medicare Supplement coverage.  Below, we’ll take a closer look at Cigna Medicare supplement plans, their benefits, and how they can help you manage your healthcare costs.

Does Cigna Have a Medicare Supplement Plan in 2024?

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 Original 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.

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Cigna Medicare Supplement Plan F

Cigna Medicare Supplement Plan F is a type of Medigap policy that helps fill in the gaps left by Original Medicare (Parts A and B). Cigna Plan F covers a range of out-of-pocket costs, such as deductibles, copayments, and coinsurance, that beneficiaries would otherwise be responsible for paying themselves. Some of the benefits provided by Cigna Medicare Supplement Plan F include coverage for Medicare Part A and B deductibles, copayments, coinsurance, and excess charges. With this plan, you will not be responsible for any out-of-pocket costs on Medicare-approved services.

Cigna is one of the many insurance companies that offer Medicare Supplement Plan F, which is a popular choice among beneficiaries because it provides the most comprehensive coverage of all Medigap plans. However, as of January 1, 2020, Cigna Medigap Plan F is no longer available to new Medicare beneficiaries, although those who enrolled before this date are still able to keep their coverage.

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Cigna Medicare Supplement Plan G

Cigna Medicare Supplement Plan G is 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 those eligible for Medicare after January 1, 2020. Cigna Medigap plan G is a popular alternative.

Seniors enrolling in Cigna 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.

Cigna Medicare Supplement Plan N

Cigna Medicare Supplement Plan N offers a variety of benefits, including coverage for Medicare Part A coinsurance and hospital costs, skilled nursing facility coinsurance, hospice care coinsurance, and coverage for the Medicare Part B coinsurance apart from a copay of up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission.

Cigna Medicare Supplement Plan N also includes coverage for the Medicare Part A deductible, which is the amount that beneficiaries must pay before Medicare begins to cover their hospital stays. Cigna Plan N also provides coverage for emergency medical care when traveling outside of the United States, up to a certain limit.

Cigna Plan N has lower monthly premiums than some of the more comprehensive Medigap plans, such as Plan F or Plan G, but it also requires beneficiaries to pay some out-of-pocket costs. Additionally, this plan does not cover Medicare part B excess charges. These are uncommon charges that may be administered by a physician who does not accept Medicare assignment.

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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.

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As you can see in the sample premium table below, 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 Premium in CT ZIP Code 06010 (Male)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $394 $394
Medicare Supplement Plan G $316 $316
Medicare Supplement Plan N $240 $240
Cigna Medicare Supplement Premium in CT ZIP Code 06010 (Female)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $394 $394
Medicare Supplement Plan G $316 $316
Medicare Supplement Plan N $240 $240
Cigna Medicare Supplement Premium in MO ZIP Code 63850 (Male)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $348 $404
Medicare Supplement Plan G $242 $280
Medicare Supplement Plan N $185 $212
Cigna Medicare Supplement Premium in ZIP MO Code 63850 (Female)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $308 $356
Medicare Supplement Plan G $213 $247
Medicare Supplement Plan N $148 $170
Cigna Medicare Supplement Premium in OR ZIP Code 97336 (Male)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $214 $293
Medicare Supplement Plan G $164 $221
Medicare Supplement Plan N $116 $171
Cigna Medicare Supplement Premium in OR ZIP Code 97336 (Female)
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $193 $264
Medicare Supplement Plan G $146 $199
Medicare Supplement Plan N $104 $154

Remember, the above premiums are only examples of what you could pay for a Cigna Medigap plan. Your unique premium is based on several factors that may not be accounted for above.

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%. But, its 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.

Cigna may increase the rates of their Medicare Supplement plans for a variety of reasons. One common reason is medical cost inflation, which occurs when the cost of medical services and treatments increases over time. This can lead to higher claims costs for insurance companies, which may be reflected in higher premiums for policyholders.

Other factors that may contribute to rate increases for Cigna Medicare Supplement plans include changes in healthcare regulations or laws, changes in the demographics of the policyholder pool, and changes in the overall health status of the population.

It is important to note that Cigna is required to provide notice of any rate increases to policyholders in advance, usually at least 30 days before the new rates take effect. Policyholders should review their plan documents and any rate increase notices carefully.

Cigna Medicare Supplement Provider Eligibility

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. However, many seniors are skeptical about enrolling in certain carriers because they fear their preferred providers will not be in network. Luckily, Cigna Medicare Supplement plans allow you to choose your own healthcare providers, as long as they accept Original Medicare.

This means that you can see any doctor, specialist, or hospital that participates in Medicare, regardless of whether they are in Cigna’s typical provider network.

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Cigna also offers a provider directory on its website, which allows you to search for healthcare providers in your area that accept Medicare. This can be a helpful tool when choosing a provider for your healthcare needs.

If you have a Cigna Medicare Supplement plan and are unsure if your provider accepts Original Medicare or have any questions about your plan’s provider eligibility, you can contact Cigna’s customer service for assistance.

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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.

What Does Cigna Medicare Supplement Cover?

A Cigna Medicare plans 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.

Cigna Medigap plans are standardized and labeled with letters (A, B, C, D, F, G, K, L, M, and N) that correspond to different levels of coverage. Each plan offers different benefits to its enrollees. The level of coverage you receive may vary depending on the plan you choose. It’s important to review the specific benefits and coverage of each plan before enrolling.

Is Cigna a Good Medicare Supplement Option for Seniors?

Cigna is a well-known and reputable healthcare company that offers Medicare Supplement plans. As with any Medicare supplement option, whether or not Cigna is a good choice for seniors depends on individual circumstances and needs. 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.

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Cigna offers a variety of Medigap plans that can help cover the out-of-pocket costs associated with Medicare, such as deductibles, copayments, and coinsurance. These plans can help seniors save money on their healthcare costs and provide peace of mind.

One advantage of choosing Cigna as a Medigap provider is that the company has a strong financial rating, indicating its ability to pay claims and remain financially stable. Additionally, Cigna offers a range of other health insurance products, including Medicare Advantage plans and prescription drug plans, which may be appealing to seniors who want to keep all of their healthcare needs with one company.

Does Cigna Medicare Supplement Cover Dental

Medicare Supplement plans do not cover dental benefits. Cigna is no exception. However, Cigna offers an add-on plan that can cover dental benefits. Dental coverage is best when purchased separately from Medicare coverage. This way, you’re able to purchase a customized plan that best fits your needs.

How To Cancel Cigna Medicare Supplement

To cancel a Cigna Medicare Supplement policy, you’ll need to contact the carrier directly. There is no penalty for unenrolling, nor 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.

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How to Enroll in a Cigna Medicare Supplement Plan Today

If you are planning to enroll in a Cigna Medicare Supplement plan, you’ll want to speak with an expert to ensure you are enrolling in the right plan for your needs. 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!

Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare educator serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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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