Cigna offers standard Medicare supplement plans, likewise called Medigap, in 48 states. In 46 of those 48 states, Cigna sells four Medigap plans — Plans A, F, 1000 and N — along with a high deductible version of Plan F. In Minnesota and Wisconsin, Cigna offers specialized policies that abide by state-specific Medigap plan requirements. Overall, Cigna Medigap rates are higher than competitor prices.

  • Cigna Medicare Supplement insurance: Our thoughts
  • How exercise insurance companies gear up prices for Medigap policies?
  • Cigna Medigap availability
  • Cigna Medigap plan options
  • Member resources and unique benefits
  • Reviews and customer complaints
  • Frequently asked questions
  • Sources and methodology

Cigna Medicare Supplement insurance: Our thoughts

Cigna offers fewer Medigap plan options than some competitors, and its rates are generally higher compared to other companies. In addition, some customers have been dissatisfied with the service provided by Cigna. If you are seeking program options other than A, F, G or North, lower rates or an overall positive customer experience, Cigna may non be the option for y'all.

Cigna Medicare Supplement plans, also known as Medigap, are designed to kick in later on Medicare pays its function of a claim.

In a bulk of states, Cigna sells four Medigap plans — Plans A, F, K and North — along with a high deductible version of Plan F. Since Plans F, Yard and N are the most popular Medigap plans sold, insurance shoppers tin generally find an choice to suit their needs through Cigna. Minnesota and Wisconsin have their own Medigap regulations, and Cigna meets all program requirements in both of those states.

How do insurance companies set prices for Medigap policies?

Insurance companies set Medigap prices, or premiums, in the three ways listed below. It's of import to understand how your price is calculated, every bit this may impact your costs when you get-go enroll or when you renew your plan in subsequent years.

Because Cigna operates in multiple states, the visitor's use of these rating methods varies by country.

  • Community-rated (also known as "no-historic period-rated"): Mostly the aforementioned rate is charged to anybody who has the Medigap policy. Historic period and gender typically have no effect on customs-rated plans.
  • Result-age-rated (too called "entry-age-rated"): The rate is based on the age you are when you buy or are "issued" the Medigap policy.
  • Attained-age-rated: The rate is based on your current age. This means your price may get upward as you become older.

Nosotros compared Medigap Program G rates in Arkansas for Cigna, AARP (United Healthcare) and Bluish Cross Blue Shield and found Cigna rates to exist college than those of the two competitor plans. Considering Arkansas does non allow "attained-age" pricing, the rates do non increase based on historic period. For case, the Cigna premium of $167 per month applies whether a person enrolls at age 65, 75 or 85.

Arkansas Medigap Plan G rates
Medigap Plan G charge per unit samples in Arkansas

Considering these price structures affect how much you lot pay for Medigap now and in the future, information technology'southward important to compare premiums for the same program type across multiple companies. You can get pricing information by calling insurance companies or visiting their websites, or by contacting your State Health Insurance Assistance Plan (Transport). The Medicare.gov website besides lists the rating methods used past each Medigap insurance visitor in your area.

Cigna Medigap availability

Cigna Medicare Supplement insurance plans are available in 48 of 50 states, with the ii exceptions existence New York and Massachusetts. Inside those 48 states, we establish that:

Cigna offers Medigap to those on Medicare due to disability in 23 states.

While federal constabulary generally doesn't crave it, some states mandate that companies offering Medigap to people who have Medicare due to inability or permanent kidney failure. Check with your state insurance department about what rights you might accept under state constabulary.

In 46 of the 48 states where Cigna sells Medigap coverage, its policies include a preexisting atmospheric condition clause .

In most of those 46 states, Cigna'southward preexisting catamenia is six months. This means that Cigna won't pay for a wellness condition that was diagnosed or treated during the vi months earlier your Cigna policy effective appointment. In a few states, Cigna's preexisting conditions menses is three months.

Cigna Medigap plan options

Cigna offers the post-obit Medigap plans in 46 states. Plan availability may vary by state.

Each plan letter provides a set up of benefits that must be offered by whatever company that sells the policy. Since benefits are standardized, the main difference between insurance companies is commonly the toll.

  • Cigna Medicare Supplement Program A: Minimum coverage at lower rates compared to other Medigap plans.
  • Cigna Medicare Supplement Program F: Offers the most coverage and the lowest out-of-pocket costs.
  • Cigna Medicare Supplement Loftier Deductible Programme F: Includes the aforementioned coverage as Program F with a lower charge per unit. Coverage kicks in afterward a calendar year deductible.
  • Cigna Medicare Supplement Program G: Includes the most coverage with a lower price.
  • Cigna Medicare Supplement Plan N: Offers a lower monthly rate than Plan Thou with predictable out-of-pocket costs.

Annotation: Medigap Plan F and High Deductible Plan F are no longer available to people who started Medicare on or later Jan. one, 2020.

Beneath are the standard benefits included in Plans A, F, Grand and Due north.

Program A

Plan F

Plan G

Plan Northward

Medicare Office A coinsurance 100% 100% 100% 100%
Medicare Office B coinsurance 100% 100% 100% 100%
Claret (3 pints) 100% 100% 100% 100%
Part A hospice care coinsurance 100% 100% 100% 100%
Skilled nursing facility coinsurance 100% 100% 100%
Medicare Function A deductible 100% 100% 100%
Medicare Function B deductible 100%
Medicare Part B backlog charges 100% 100%
Strange travel emergency 80% 80% fourscore%

Cigna Medigap options in Minnesota and Wisconsin

Minnesota and Wisconsin accept adult their own Medicare supplement plans, which are structured differently than Medigap plans in other states. In both states, Cigna uses "attained historic period" rating, meaning your premium is based on your electric current age and may go upwards as you get older.

In Minnesota, Cigna offers iv plans: Bones, Extended, High Deductible and Copay. Premiums range from $63 per month for the High Deductible program to $248 per calendar month for the Extended plan. With the Bones programme, you lot can purchase optional riders to cover the Medicare Part A deductible, Medicare Office B excess charges or preventive intendance not otherwise covered by Medicare.

In Wisconsin, Cigna offers merely the Basic Medicare Supplement plan with optional riders like to those available in Minnesota.

Cigna vs. competitor Medicare supplement carriers

We compared Plan G rates in Virginia for Cigna, AARP (United Healthcare) and Anthem Health Plans of Virginia. For the most part, premiums increase over fourth dimension for the companies due to the use of "attained age" rating, which is allowed in Virginia.

Cost Comparison of Medigap Plan G in Virginia
Cost Comparison of Medigap Programme One thousand in Virginia

As y'all can run across, Cigna has the highest rates among the three companies except for the 75-year-old age group. However, when moving from age 75 to age 85, Cigna rates increase profoundly versus a smaller cost jump for AARP and no increase at all for the Anthem plan. Ultimately, you volition pay a considerably college rate for Cigna at age 85 versus the other plans shown here.

Cigna offers the below Medigap options in Virginia and confirms that premiums will increase yearly as a member's age increases.

Plan name

Monthly premium

Programme A $127
Plan F $174
Loftier Deductible Plan F $44
Plan G $140
Plan Due north $103

Member resources and unique benefits

The beneath programs and services are included in Cigna Medicare Supplement plans at no toll to members.

  • Cigna Healthy Rewards plan: Provides discounts on health and wellness programs and services.
  • Health information line: Staffed with health advocates who are available 24 hours a day, 7 days a week. Health advocates are licensed — but not practicing — nurses and do non give medical advice.
  • MyCigna.com website: Allows for one-stop access to ID cards, coverage, claims information and more than.

Cigna members also may qualify for charge per unit relief. One programme offers a discount to all people within a household who are enrolled in the same Cigna Medigap plan. Members could also earn a lower rate past completing a Medigap application through the Cigna website.

Reviews and customer complaints

Cigna members and providers reported concerns with customer service, including long agree times and other servicing delays, in complaints filed with the Better Business organization Bureau. We also found reports of difficulty getting claims canonical or paid, sometimes requiring extensive follow-up with the company.

When calculating ratings, the Ameliorate Business Bureau considers many factors, including the number of complaints and how promptly they are addressed, forth with a company's size and fourth dimension in business. With all factors combined, the Better Business Bureau gave Cigna a rating of A-.

The National Association of Insurance Commissioners (NAIC) complaint index for Cigna Medicare Supplement insurance is 2.22, which is well above boilerplate compared to other companies in the marketplace. This rating ways that a high number of complaints were received regarding Cigna Medigap plans.

Ofttimes asked questions

Is Cigna supplemental insurance good?

The quality of Cigna Medigap plans is in line with Medigap insurance offered by other companies since benefits are standardized. However, Cigna client service is reported as subpar, and its Medigap rates can be higher than those charged by competitors.

Does Cigna pay the Medicare deductible?

Deductible coverage will vary depending on the Medicare supplement plan that yous decide to purchase. Medicare Part A deductibles are fully covered by Plans F, Chiliad and North only not by Plan A. Programme F covers the Medicare Role B deductible. Yet, Plan F is only available to people whose Medicare started before Jan. 1, 2020.

How does a Cigna high deductible plan work?

Yous can select a high deductible plan simply if you are eligible. For case, the high deductible version of Programme F is available only to those whose Medicare coverage started before Jan. one, 2020. With a high deductible plan option, you pay the start $2,370 before your policy pays anything, plus a separate annual deductible of $250 for strange travel emergency services. For Cigna, the high deductible selection includes a lower monthly charge per unit.

Annotation: These deductible amounts utilize to the calendar twelvemonth 2021 and are subject to change.

Sources and methodology

The above comparisons are based on programme coverage levels, policy details, third-party rankings and sample cost data for 2021. Toll quotes for a female nonsmoker were analyzed based on age, location and insurance carrier. Sources include Medicare.gov, AARP, UnitedHealthcare, Blue Cross Bluish Shield, Cigna, the Ameliorate Business Bureau and the National Association of Insurance Commissioners.