Cigna offers a long list of products such as health, life, accident, disability, and Medicare Supplement Plans.
Insurance companies that offer a wide variety of insurance products are typically healthy and stable companies, Cigna is no exception. They insure over 70 million people around the world.
Cigna offers plan options in many states. Sometimes they sell their Medigap policies under subsidiary names like Loyal American Life Insurance Company, American Retirement Life Insurance Company.
Cigna Medicare Supplement Plans
Cigna Medicare Supplements provide the same coverage as other carriers. Differences between companies are underwriting guidelines, rate increase histories, and costs.
Medicare is the primary insurance and the Supplement 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 would be sent to Cigna.
If you stay enrolled in Medicare and pay your premiums, then your policy stays in force. Regardless of your health conditions. Cigna offers several of the standardized Medigap options.
A supplement could cover your deductibles and coinsurances. Of course, it depends on the Medigap plan.
Let’s explore some of the reasons other people choose Cigna.
Cigna Medicare Supplement Reviews
Choosing a carrier is more than picking the lowest price. Our clients that choose Cigna Medicare Supplement Plans give us positive feedback. It’s likely that Cigna Medicare Supplements will continue to be a top seller.
In most areas, Cigna is comparable to other top companies with underwriting guidelines, although, they may be a bit strict. However, the tighter guidelines help them keep rate increases lower for existing clients.
Now, let’s take a closer look at the Cigna rate increases.
Cigna Medicare Rate Increases
Rate increase vary from state to state, finding the best company is just as important as finding the best plan. Cigna rate increases were an average of 7%.
It’s important to keep in mind that rate increases vary by plan and state. The best way to keep your costs low is with the help of an agent, just like the ones on our team.
Cigna Medicare Supplement Eligibility & Enrollment
You’re eligible for Cigna Medicare Supplements as long as your Part B is in effect. Unlike Medicare, you can enroll in Supplements at any time.
To avoid underwriting, you need to enroll during your Medicare Supplement Open Enrollment Period.
Cigna allows beneficiaries to pre-enroll in a policy 90 days prior to the effective date.
Cigna Medicare Supplement Plan Premiums
All 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 that impact your premium is 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 that’s 72 years pays an average premium of $261 for Plan F and $203 for Plan G.
But, a female beneficiary that’s 66 residing in Texas could pay an average premium of $131 for Plan F and $101 for Plan G.
As you can see, it’s important to have an agent by your side that can compare all the available plans and carriers.
Cigna Medicare Advantage Plans
Cigna has Medicare Advantage Plans that include drug coverage, as well as plans that don’t cover drugs. 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 new beneficiaries choose to enroll in a Cigna Supplement Plan vs an Advantage Plan.
Cigna Open Access Medicare
With Cigna Open Access Plus and Cigna Open Access Plus in-network plans, you can keep your primary care provider.
Cigna Part D Prescription Drug Plans
Cigna Part D plans to 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.
How to Enroll in a Cigna Medicare Plan Today
When you talk to one of our experts, they check the rate increase trends in your area. Also, our agents are familiar with the underwriting process. So, instead of being denied coverage or wasting your time trying to figure out who will approve your policy, call us.
You can call us and we'll tell you the quote for top 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 Medigap plan in your area costs!