Cigna Medicare Supplement Plan G

Cigna Medicare Supplement Plan G is one of the most popular Medicare plan options. Supplementary plans (also known as Medigap) are necessary to fill in the gaps between Medicare Part A and Part B. Medicare Supplement policies sold by private insurance companies can pay part or all of the remaining charges.

This is because there is no ceiling on the amount an individual can be responsible for. In addition to being standardized by the government, Medicare Supplement G covers the same basic benefits no matter what state a beneficiary lives in or which insurer sells the policy.

Coverage under Cigna Medicare Supplement Plan G

Cigna’s most popular Medicare supplement plan, Part G, offers many of the same coverage options as Plan F, the “Cadillac” of Medicare Supplement insurance plans. A Medicare enrollee can choose the right plan without breaking the bank with Plan G, which is more affordable.

Plans G and F cover many of the same things, with the exception of the Medicare Part B deductible, which Plan G does not cover.

In addition to paying for your first 60 days of hospitalization, Plan G pays for your Medicare Part A deductible. You are insured for the extra $371 per day up to your 90th day. In addition, you are insured for the extra $742 per day on your 91st day and every day afterward.

If you have been in a hospital for at least three days and are in a Medicare-approved facility, a Cigna Medicare Supplement Plan G will cover many of the costs of skilled nursing facility care. As well as hospice care, it covers your first three pints of blood a year.

Part B covers the following:

• Part A hospital coinsurance
• Part A hospice care copayments
• Part A deductible
• Part B office visit copyment or coinsurance
• Part B Excess Charges
• First three pints of blood
• Skilled nursing facility care
• Foreign travel emergency 

Part B does NOT cover the following:

• Part B deductible ($226 in 2023)

How Much Does Cigna Plan G Cost?

The monthly cost of Cigna Medicare Supplement Plan G ranges from $103 to $272. In addition to your age, smoking status, and where you live, Cigna Medicare Supplement Plan G premiums vary. For example, a non-smoking 65-year-old woman living in Texas zip code 77070 would pay approximately $138 per month in insurance.

How has the Cigna Medicare Supplement rate increased over the years?

Pricing is one of the first factors Medicare beneficiaries consider when choosing a Medicare Supplement plan. The frequency of rate increases by the insurance company is crucial as well, as well as the price of the insurance policy.

Let’s start with overall rates:

• All insurance companies raise their rates.
• A past increase does not guarantee a future increase.
• The amount of rate increases depends on insurance carriers, locations, and policy types.

Cigna, for example, increases rates as follows:

• 3% to 10% within the industry average
• rates depend on economic conditions

Benefits of choosing Cigna Medicare Supplement insurance:

• Locked-in rates for a period of 12 months.
• Within 30 days of purchasing your policy, you can cancel it for any reason.

When Can I enroll in a Plan?

Medicare Part A and B are required to be enrolled in order to be eligible for a Cigna Medicare Supplement plan. A Guaranteed Enrollment Period begins after you enroll in Original Medicare and reach the age of 65. You are not at risk of getting declined or paying higher rates because of your pre-existing health issues at this time.

This Guaranteed Enrollment period can be delayed until you can enroll in Part B if you have creditable coverage through your job, union, or the government. Other circumstances may also trigger this Guaranteed Enrollment period. Among these are moving out of a Medicare Advantage Plan’s service area, pulling a plan out of service area, etc. 

Are you interested in learning more?

Two options are available to you if you are interested in comparing Medigap plans. We have an online quote tool that you can use at any time. Our qualified agents can also be reached by phone if you need live assistance.

With the information we provide, we hope that you’ll be able to make the right choice regarding your Medicare insurance. You should get the best plan, whether it’s through Cigna or a competitor.