Cigna is an American insurance company offering various products and services nationwide. Among Cigna’s products is its line of Medicare plans available to those who qualify for Original Medicare.
Cigna Medicare plans provide beneficiaries peace of mind with coverage from a highly-rated carrier. Below, we review all available Cigna Medicare plans.
Cigna Medicare Supplement
Medicare Supplement (Medigap) plans help cover costs that Original Medicare (Part A and Part B) leaves for beneficiaries to pay. Ten lettered Medicare Supplement plans are available nationwide, plus two high-deductible versions. Of these, Cigna offers five Medicare Supplement plan options.
Cigna Medicare Supplement availability varies by state, but the carrier commonly offers:
- Medicare Supplement Plan A
- Medicare Supplement Plan N
- Medicare Supplement Plan G
- Medicare Supplement Plan F
- Medicare Supplement High-Deductible Plan F
Medicare Supplement Plan F, Plan G, and Plan N are the most popular Cigna Medicare plans. The benefits of these plans are standardized nationwide. Thus, Medicare Supplement benefits through Cigna are not unique to this company.
However, Cigna provides an exceptional customer experience and peace of mind. As one of the most established insurance carriers in the country, Cigna aims high when it comes to customer satisfaction.
Cigna Medicare Advantage Plans
Cigna offers several Medicare Advantage options throughout the country. Not all Cigna Medicare plans are available in every area, and benefits may vary by ZIP Code. The top Medicare Advantage plans through Cigna include:
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Special Needs Plans.
Some Cigna Medicare Advantage policies offer additional benefits like prescription drugs, dental, vision, and hearing. At the same time, others may offer benefits such as gym memberships and transportation.
Cigna Medicare Part D Plans
Medicare Part A, Part B, and Medicare Supplement plans do not include prescription drug coverage. Thus, Original Medicare beneficiaries must seek this coverage through a Medicare Part D plan.
Cigna offers three such prescription drug plans to eligible beneficiaries. These plans help cover a portion of the cost of your prescription drugs. Medicare Part D works alongside Original Medicare, with or without a Medicare Supplement plan.
The three Cigna Medicare Part D prescription drug plans are:
- Cigna Essential Rx
- Cigna Secure Rx
- Cigna Extra Rx
Each plan has a different drug formulary. Thus, coverage for your medications will vary between policies. The Essential Rx plan is the most conservative in terms of monthly premium and drug coverage. On the other hand, the Extra Rx plan provides the highest monthly premium and most coverage on higher-tier medication.
Just because a plan has a higher monthly premium does not mean it provides more benefits for your medications. Some policies are geared towards higher-tier drugs, whereas others may offer more benefits for lower-tier prescriptions.
Additional Cigna Coverage for Medicare Beneficiaries
Besides the above options, Cigna has additional plans available for Medicare plan beneficiaries. The most popular ancillary benefit plans include dental, vision, and hearing policies.
These policies are an exceptional addition to Original Medicare. As Original Medicare does not cover these benefits, additional coverage can make your healthcare complete.
You do not need to be a Medicare beneficiary to sign up for a Cigna dental, vision, and hearing plan, and you do not need to have another Cigna plan to qualify. These plans are stand-alone, meaning anyone who qualifies may sign up. Cigna offers one of the most sought-after ancillary plans available today.
Additionally, Cigna offers health and wellness discounts through their Silver&Fit Healthy Aging and Exercise program. This program allows beneficiaries to become members at a participating gym free of cost and is available to all Cigna Medicare plan beneficiaries.
How to Enroll in a Cigna Medicare Plan
Working with a licensed agent to help choose the right coverage is crucial if you are considering a Cigna Medicare plan. With so many great Cigna Medicare plans available, finding the best plan for your needs may be challenging. That is where we come in.
Our agents understand the need to find the right plan. We take the time to learn about your healthcare needs and wants and ensure we match you with the best plan possible, even if it is with another carrier.
To begin your free plan comparison, call us at the number above. Can’t talk now? No worries. Complete our online rate form, and we will contact you with your personalized quote today.
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- Medicare, Cigna. Accessed May 2022.
- Medicare Advantage, Cigna . Accessed May 2022.
- Choosing a Medicare Plan, Cigna . Accessed May 2022.
- Supplemental Coverage, Cigna . Accessed May 2022.