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About Cigna Medicare Supplement Insurance Company
Medicare supplement plans offered by Cigna are insured through one of their subsidiaries; American Retirement Life Insurance Company or Loyal American Life Insurance Company. Cigna is a large insurance company specializing in offering health and life insurance products.
They are a publicly-traded company (NYSE: CI) and has over 15 million customers worldwide. It’s safe to say they are one of the largest health insurance companies in existence today.
Medicare Supplement Benefits with Cigna
If you purchase a Medicare supplement plan from Cigna your policy be insured by either ARLIC, Loyal American, or Cigna Health and Life, all subsidiaries of Cigna.
With a Medicare Supplement policy from Cigna you will get the following:
- 30-day free-look-period
- Guaranteed renewable coverage, for life
- Ability to see any doctor that accepts Medicare
Features Working With Cigna:
- Easy electronic application
- Policies issued in 1-3 days
- Online customer portal for easy policy access
- Easy, no-hassle customer service
We are going to cover the three most popular Medicare supplement plans in the marketplace today; plans F, G and N. These Medigap plans are standardized, meaning they are exactly the same no matter what company is offering them.
For example, the only difference between a plan F with Cigna and a Plan F with Aetna is the price. It is important to compare rates before you purchase a plan.
When Medicare-eligible folks sign up for Cigna Medigap plans they will receive an initial 12-month rate lock-in, gym discounts (where available), household discounts (when available), and much more. Cigna makes sure that their clients are well taken care of and get the coverage they need.
With Cigna Medicare supplement, policyholders will have the freedom to receive care from their desired doctor or medical professional that accepts Medicare. With Cigna, there are no network limitations, you get to choose who to go to.
Cigna Medicare Supplement Plan F
Plan F is the most popular Medicare supplement plan but it is not the best plan. I will explain why here shortly. Plan F is simple, it covers everything that Medicare does not pay in full. As you can see the chart below F covers 100% of what Medicare does not pay in full. However, Plan F tends to have the most rate increases when compared to G and N plans.
There are many more people on Plan F and they use the plan more often, creating more claims for the carriers to pay. This results in more rate increases. On average, Plan F increases at about 7%-10% per year. Rates for Plan F with Cigna will vary by location and several other factors.
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Cigna Medicare Supplement Plan G
The Cigna Medigap Plan G is very popular across the country. Folks who buy a Cigna Plan G enjoy a lower premium in return for paying the Part B deductible once per year, at the doctor’s office. The deductible on Plan G is $203 for 2021. There are no office copays with a Medicare supplement Plan G with Cigna.
If you look at the chart above, you can see that Plan G is almost identical to Plan F, the only difference is that the Part B deductible is not covered. The Part B deductible is currently $203 for the calendar year.
Plan G is the best value because the amount of money you save on Plan G compared to Plan F is almost always more than the benefit difference. In addition, the rate increases on Plan G are much less than plan F. Plan G is a much better long-term option over Plan F.
Highlights Of A Cigna Medicare Supplement Plan G:
- Cigna is an A-rated Carrier
- Rate increases are historically lower on Plan G vs Plan F
- Plan G is more cost-effective than Plan F
- Only out-of-pocket cost is an annual deductible of $198 for the year
Cigna Medicare Supplement Plan N
Medicare supplement Plan N is the third most popular option. Plan N is a good fit for those folks who don’t see the doctor very often. The reason for this is there are copays with Plan N. The following are the out-of-pocket expenses associated with a Plan N:
- $0 – $20 copay at the doctor’s office
- $50 copay at the emergency room unless admitted (then waived)
- Part B excess charges not covered
- Part B deductible is not covered
As you can see there are some out-of-pocket expenses with Plan N. The premium savings, however, can make the costs worth it. Check out our FAQ section for more detail on Plan N. Contact us for a free quote comparison to find out what a Plan N will cost you.
Cigna Medicare Supplement Prices
We know the price is important. Cigna is very competitive across the country. We also understand that you may want to view rates without speaking to an agent first. We have implemented a live quote comparison tool on our website.
To view instant quotes from Cigna and all of its subsidiaries for Plans F, G and N simply fill out our online form and view instant rates here.
Please note: We do our best to keep the rates updated and accurate but we cannot guarantee accuracy without speaking to you on the phone. We can ensure all applicable discounts are applied and confirm policy effective dates, which affect the premium cost. Call us at (800) 208-4974 for a free rate comparison.
Cigna Medicare Supplement Plans For 2021
Cigna will continue to offer Medigap plans F, G, and N in 2021. Plan F will only be available for folks who were eligible for Medicare prior to January 1st, 2020. If you already have an F plan you can keep it, or you can change to Plan G to get a lower rate.
With the discontinuation of Plan F (for folks new to Medicare), plans G and N will become more popular. Plan N is a great option that is often overlooked. It is similar to Plan G and offers comprehensive coverage in the hospital.
Cigna is a solid insurance company and is a great company to deal with. They have been in business for a long time and have a track record of success. The customer service is excellent and the claims are always paid on time. In addition, prices are competitive across the country for Medigap plans.
thumbTo get free quotes on Cigna Medicare supplement plans or if you wish to enroll, simply call us direct at (800) 208-4974. We would be happy to help you with your decision.
Why Work With Us?
- Annual Rate Review with our “Rate Lookout Program“
- Our services are 100% Free, no cost to you
- We work with over 25 insurance companies and ALL the plans
- We are licensed in over 40 states
- Personal attention from one of our licensed agents
Cigna Medicare Supplement Plans
Overall Cigna is a great choice for your Medicare supplement insurance. Contact us at (800) 208-4974 for a free quote comparison!