Cigna Medicare Supplement Plan Reviews in 2023

Cigna Company Background

Formed in 1982, Cigna is a global health service company headquartered in Connecticut. Well-known as a reliable provider of insurance, Cigna has health-care plans relating to general health, pharmacy, dental, Medigap, and Medicare. With Cigna, you are certain to receive competitive rates on the plan premiums. They also have a well-trained call center team to guide you through any insurance-related queries.

Which Medicare Supplement Plans Does Cigna Offer?

Depending on your health-care needs, your budget, and your place of residence, Cigna offers several different Medigap plans. Here are their plans and some of the benefits:

• Plan A: This is one of the most basic plans that every insurer carries, but it has the lowest coverage. It only covers Medicare Part A and B coinsurance and coverage for hospital benefits, blood transfusions, and hospice care coinsurance or copayment. On the other hand, you are responsible for paying for Part A and Part B annual deductibles.
• Plan F: This plan tends to be the most expensive and offers the highest level of coverage. It's one of the few plans to cover the Medicare Part B yearly deductible. It also covers all the other standard costs from the Medicare Part A deductible to the Skilled Nursing Facility Care coinsurance and Medicare Part B coinsurance or copayment.
• High-Deductible Plan F (HDF): This plan is similar to Plan F, except that it covers out-of-pocket health-care expenses only after you spend a certain amount every calendar year. This is what keeps the monthly premium really low.
• Plan G: While this plan covers Medicare Part A deductible, it doesn't take care of the Part B deductible. So you will have to pay the annual deductible before gaining access to coverage for doctor’s office visits and preventive health care.
• Plan N: This plan ensures you don't need to pay Medicare Part A deductibles or Hospice Care copayments (or coinsurance) and that skilled nursing facility care is covered. You will, however, be responsible for Medicare Part B deductibles and Medicare Part B excess charges. You will also need to cover copayments of up to $20 for doctor’s visits.

How Much Do Cigna Medigap Plans Cost?

The monthly premium of Cigna’s Medicare supplement plan varies based on the specific plan, your age, location, and other health factors. An indicative price range for Cigna’s Medigap plans would be between $45.91 and $169.59 per month. In certain states, if any member of your household also holds a Cigna Medicare supplement insurance policy, you get up to 7 percent off on your premium. Meanwhile, applying online ensures that you save 5 percent on the premium.

Here is a breakdown of the Medigap options offered by Cigna:

Cigna Medigap Plans and Pricing

**These prices are based on the quote requested from Cigna on behalf of an Ohio-based 65-year-old woman who is a nonsmoker.

Extra Benefits of Cigna

If you purchase any of these plans from Cigna, you can also get discounts on items, including vitamins, vision care, hearing care, health clubs, alternative medicine, and weight management. Cigna also offers 24/7 access to trained nurses who can answer all your health and policy concerns. Let’s take a closer look at these perks.

myCigna Mobile App

For most people, keeping track of Medicare supplement ID cards, claims, and account balances can get quite tricky. This is why the myCigna mobile app can be just what the doctor ordered! You can use the app as a handy reference to check your Medigap plan coverage details and even research and compare costs of health procedures, doctors’ consultations, and drugs from different providers. It also acts as a vault to store your digital Medigap ID, health information, and contacts.

Health and Wellness Discounts

Cigna members can obtain discounted rates on services such as acupuncture, vision correction surgery, and even yoga classes. Members also get access to their Silver&Fit program for discounted gym memberships and home fitness programs.

Health Information Line

Cigna members get access to a health-care hotline, where a trained nurse can answer questions relating to your coverage or personal health needs 24 hours a day.

How To Enroll in a Cigna Medigap Plan

To start the process of enrolling with Cigna Medigap, I’d recommend checking out their free quote generator on their website. After entering some personal information (age, sex, zip code, and tobacco use), you’ll be provided with an estimate for each of Cigna’s different Medigap policies.

I had a few questions related to Medicare Part B calendar-year deductible with Plan F, so I quickly called up their customer care team. They were really helpful, and as it turns out, Plan F is one of the only plans that covers this specific deductible. That sealed the deal for me. So, I completed the rest of the application process, which included a full health disclosure and payment.

The whole process took about 15 minutes, and it’s surprisingly easy and intuitive. Still, for those older adults who prefer good old-fashioned, one-on-one sales interactions, it might be best to apply for the plans by calling Cigna’s customer care team.

Alternatives to Cigna Medigap Plans

The benefits of each Medigap plan are set by the government and standardized across all private insurance providers. So, if you are thinking of choosing one provider over the other, your selection will be based on the premium and the perks rather than the basic benefits. Be sure to compare the same plan across different private insurers before making your decision. I have listed below some of the top providers who offer a range of Medigap plans:

• Mutual of Omaha: Well-known for their highly perceptive customer care that demystifies the insurance process, Mutual of Omaha provides exceptional service.
• State Farm: You’re probably familiar with State Farm’s home and auto insurance. If you already have a policy from them, you could see significant savings in your Medigap plan.
• Aetna: Offering nationwide coverage, in addition to the ability to take your plan with you (in the event of a move), Aetna Medigap is a great alternative to Cigna.
• Anthem Blue Cross Blue Shield: If you’re looking for a handy mobile app and bundled discounts for vision and dental, then I’d recommend checking out Anthem’s Medigap policies.
• UnitedHealthcare: This AARP Medigap partner has a wide range of Medigap plan options.