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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.
Give us a call at (800) 208-4974 or use the online quote request to view instant quotes from all the top companies.
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 $226 for 2023. 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 $240 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 $226 for the year
Take a look at how Cigna’s Plan G rates compare to other carriers like Accendo Plan G or American National Medigap plans.
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 2023
Cigna will continue to offer Medigap plans F, G, and N in 2023. 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.
Read more: Top 12 Medicare Supplement Companies in 2021: Complete Review
Our Recommendation
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.
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To 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
Summary
Overall Cigna is a great choice for your Medicare supplement insurance. Contact us at (800) 208-4974 for a free quote comparison!
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
Irwin Lengel says
My wife and I have a Medicare Advantage plan but travel over the summer. Looking for a Medicare Advantage plan (not expensive as we are both retired – me from Cigna) that will cover us at home and while traveling (stateside). Can you advise?
Irwin Lengel
Alex Wender says
Hi Irwin,
There are some Advantage plans that have a “traveler” benefit also a Medigap plan could be a good option. Call us at 800-208-4974 to review options.
Wanda Palmer says
Hi Alex, I turned 65 last year. I opted out on Part B because i still work, I have insurance thru my job, which happens to be Cigna (Standard Plan). Am I eligible for Plan F?
Alex Wender says
Hi Wanda,
Yes, you are eligible for Plan F. Plan G is usually more cost effective. You have 6 months starting the first of the month you start Part B to sign up for a Medigap plan without any health questions.
We would be happy to go over prices with you, you can reach us at 800-208-4974.
-Alex
Robert DeRosa says
I am confused as to whether Cigna Plan G covers dialysis. Can you shed some light on this.
Much appreciated!
Alex Wender says
Hi Robert,
Because Original Medicare A+B covers dialysis, the Medigap plans (Cigna or any other company) would cover the costs left over after Medicare pays their share. Plans F and G will provide the most coverage.
-Alex
Molly says
Does plan G cover acupuncture? Patient is in California
Alex Wender says
Hi,
Plan G does not add benefits such as acupuncture. Plan G covers the “gaps” leftover that Medicare does not cover in full.
Ravi Ganta says
Need quotes for Cigna F plan for my wife and myself. Currently we both have Cigna Medicare Prescription Drug Coverage and Cigna Dental PPO Advantage plans. By combining all plans to Cigna, we may get better monthly rate.
Alex Wender says
Hi for quotes please call us at 800-208-4974. Regarding discounts, there are no discounts available for the supplement plans for having a drug plan or dental plan with the same company.
robert Gallaspy says
where on the your web cite can I find a complete listings of my plan G coverage
Alex Wender says
Hi Robert,
You can see a full explanation of Plan G here: Plan G Explained
Also, if you have already purchased a Plan G, you should have received an “outline of coverage” from the agent that sold the plan to you.
Jose Pruneda says
My wife and I have plan f with Cigna can I change to plan g.
Alex Wender says
Yes, you can. Most likely, you will have to answer some basic health underwriting questions to change over to Plan G. These are simple “yes” or “no” questions, along with providing your current medications. Also, it is important to note, you can actually change from an F to a G plan anytime throughout the year, there is no deadline. Call me at 800-208-4974 with any questions that you have!