Cigna Medicare Supplement Review

Growing old usually comes with more costs, especially when it comes to taking care of your health. Thankfully, the government-backed Medicare national health insurance program relieves some of the burden for eligible beneficiaries.

And to really maximize your benefits and reduce costs, you can purchase a Medicare supplement plan. Also called Medigap, these plans further subsidize your healthcare expenses so that you can seek professional medical assistance without worrying about the price tag.

In this review,  we take a look at the most popular choice for a Medicare supplement insurance plan provider.

What Is Cigna?

Cigna is a U.S.-based Fortune 500 health service company with a wide global network. They provide a variety of insurance products to over 95 million customers around the globe. Cigna is only available in 38 states, but they’re able to offer policies to people in other areas through subsidiary companies like Loyal American, American Retirement Life, or CHLIC.

Cigna is part of a long and proud legacy that began in 1972 with the founding of the Insurance Company of North America, Cigna’s corporate ancestor and the oldest stock insurance company in the United States. 

Today, Cigna enjoys an A+ rating from the Better Business Bureau and a 3.5-star rating from Consumer Affairs.

What Medigap Plans Does Cigna Offer?

Cigna has a good selection of plans that complement your Medicare insurance. As is the case with most Medigap insurance carriers, the exact plan offerings vary by state. 

Currently, Cigna does not offer policies in Massachusetts and New York. All the plans we list below are available in every other state except for those two, unless otherwise specified.

In line with legal requirements, Cigna sells Medicare supplement Plan A mainly alongside Plans F, G, and N. Residents in select states may also be able to choose from Plans B, C, or D.

Cigna’s Medicare supplement plans are also available to all Medicare-eligible persons with disabilities in the following states: Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.

Supplement Plan A

Supplement Plan A is one of the more affordable supplementary plans because it only covers 4 basic Medicare-related expenses, in addition to any expenses covered by your original Medicare insurance:

  • Medicare Part A hospital coinsurance and costs, up to 365 days after benefits are exhausted
  • Medicare Part A hospice care coinsurance or copayment
  • Medicare Part B coinsurance or copayment
  • First three pints of blood used in any medical procedure

Supplement Plan B

Supplement Plan B is only available in Oregon and Pennsylvania.

Plan B beneficiaries get the same benefits as in Plan A, with additional coverage for the Part A deductible.

Supplement Plan C

Supplement Plan C is only available in New Jersey and Oregon.

Plan C has the same benefits as Plan B, as well as:

  • Part B deductible
  • Skilled Nursing Facility (SNF) care coinsurance
  • Foreign Travel Emergency (80% of approved costs, up to plan limit)

Starting January 1, 2020, new beneficiaries will not be able to purchase Plan C. People who are currently enrolled under Plan C, and people who enroll under Plan C before that date will still be able to claim their benefits.

Supplement Plan D

Supplement Plan D is only available in Oregon.

Out of the 10 current Medigap plans, Plan D is in the lower half when it comes to coverage. The only difference between Plan B and Plan D is that the latter includes SNF care coinsurance. Under Plan B, you still have to pay the Part B deductible and any excess charges.

Supplement Plan F

Supplement Plan F accounts for more than 57% of active Medicare supplement policies. It’s also the most expensive, with rates going up to $250 per month in some states. However, many retirees feel that it’s a worthy investment because of the increased coverage.

Supplement Plan F Covers The Majority Of Expenses

Under Plan F, beneficiaries can expect most, if not all, their expenses to be covered by their insurance. Plan F has all the benefits of Plan C plus coverage for Part B excess charges.

For those who want most of Plan F’s benefits without paying its high premiums, there’s a low-premium high-deductible alternative. Dubbed Plan HF, insurance benefits will only apply after the patient has met the deductible amount of $2300.

Supplement Plan F Availability

While Plan F is offered in every state that Cigna operates in, Plan HF is not available in the following states: Alaska, Arkansas, California, Delaware, D.C., Hawaii, Iowa, Maine, New Jersey, New Mexico, Oregon, Rhode Island, Tennessee, Vermont,Washington, Virginia, West Virginia, and Wyoming,

Supplement Plan F is going to be discontinued on January 1 2020, along with Supplement Plan C.

Supplement Plan G

Supplement Plan G is a cheaper alternative to Supplement Plan F that will continue to be active in 2020. You get all the benefits of Supplement Plan F for a much lower premium, except for the Part B deductible amounting to $185. However, even with the deductible, there are cases in which Supplement Plan G is more cost-effective than Supplement Plan F in the long run.

Supplement Plan N

Supplement Plan N is the newest and most affordable Medigap offering. For very low premiums, you can get the same benefits as in Supplement Plan D. There is one caveat, however; you as the beneficiary will be charged copayments of $20-50 per office and emergency room visit.

Cigna Medicare Supplement Plans: Comparison Table

Cigna Medicare Supplement Plan Offerings
ABCDFHFGN
Avg. Premium
Part A hospital coinsurance + 365 days after end of benefitYesYesYesYesYesYes*YesYes**
Part A hospice care coinsuranceYesYesYesYesYesYesYesYes
Part B coinsuranceYesYesYesYesYesYesYesYes
First 3 pints of bloodYesYesYesYesYesYesYesYes
Part A deductibleNoYesYesYesYesYesYesYes
Part B deductibleNoNoYesNoYesYesYesNo
Part B excess chargesNoNoNoNoYesYesNoNo
SNF care coinsuranceNoNoYesYesYesYesYesYes
Foreign travel emergencyNoNo80%80%80%80%80%80%

Yes = 100% covered

No = 0% covered

*Supplement Plan HF is almost identical in coverage to Supplement Plan F, except it has a lower premium. In exchange, the beneficiary needs to meet a $2300 deductible. 

**Beneficiary needs to pay $20 for every office visit and $50 for every emergency room as copayment. All other Supplement Part A inpatient hospitalization coinsurance costs are covered.

Cigna Medicare Supplement Plans: Prices & Costs

Cigna Medigap plan pricing is only available by quote; this is because premiums can go up or down depending on your age, gender, location, when you apply, and if you have any health conditions.

Everything is on a case-to-case basis, but generally speaking, the following persons tend to have higher premiums:

  • Males
  • Older beneficiaries
  • Smokers
  • Enrolled after 6-month Medigap Open Enrollment period

Cigna Medigap Plan Features

These are some of the features and benefits you can expect if you sign up for a Cigna Medicare supplement plan:

  • Easy customer portal
  • Electronic application via the website
  • Policy approval in just 1-3 days
  • Access to Health Information Line, a 24/7 phone service staffed by real nurses
  • Access to gym memberships, organic food discounts, and other Healthy Rewards
  • 12-month lock-in rate, no increases in the first year
  • 30-day no-obligations trial period
  • Access to 880,000 healthcare providers around the U.S.
  • Household discounts for up to 2 people in selected states
  • Guaranteed renewable plans that cannot be cancelled due to health conditions
  • U.S-based customer service team
Cigna Medicare Plans Will Save You Money

As one of the biggest and most reliable Medigap insurance providers, you can’t go wrong with Cigna. However, their rates do tend to be slightly higher than other providers.

Cigna Medicare Supplement Plans: Is It Worth It?

Cigna’s Medicare supplement plans provide protection from overwhelming healthcare expenses. As rates can vary from individual to individual (and from state to state), make sure to contact a Cigna representative to get the full details of your policy before signing up.