Cigna Medicare Supplement Plan Reviews in 2025
Cigna is one of the major players in the health insurance market, with almost 40 years in the business. The company ranks among the top companies on the Fortune 500 list and serves millions of customers worldwide. That status allows for a more robust platform than smaller companies, with perks such as a Healthy Rewards Program offering lifestyle discounts and easy access to health advocates and online resources.
Key Findings
- Our research found that Cigna offers Medicare Supplement plans at competitive rates. Though generally higher than the lowest-cost alternatives in the market, these plans offer significant discount opportunities that can offset the difference.
- Cigna’s household discount of 7 percent is comparable to industry standards, though not as generous as competitors such as Mutual of Omaha, which offers up to 12 percent in household discounts.
- When analyzing supplemental benefits, we discovered Cigna’s Healthy Rewards program offers valuable discounts on wellness services. These discounts typically aren’t covered by Medicare, giving them an edge over providers with fewer extra perks.
- Our research revealed that Cigna’s Medicare Supplement customers file complaints at a higher rate than the industry average, according to National Association of Insurance Commissioners data.
- Cigna’s 24/7 health information line staffed by licensed nurses represents a significant added value compared to competitors with more limited customer support options.
If Cigna offers Medigap coverage in your state, you might find only four of their 10 Medicare Supplement policies are available to you. Also note that while the quote process on Cigna’s website is not as streamlined and easy to navigate as other insurers’ sites, the household and online enrollment discounts make it worthwhile to research Cigna’s policies.
Our team spent more than 50 hours researching Cigna’s Medigap plans and speaking with customer service. Read on for all the details about Cigna’s Medigap plans and learn why they made our list of the best Medigap carriers.
Cigna Medicare Supplement Pros and Cons
Pros
- Competitive pricing with valuable discounts: Our analysis found that Cigna offers multiple discount opportunities that can add up, including a 7 percent household discount and additional savings for online enrollment.
- 24/7 access to health advocates: We found that Cigna’s 24/7 health information line, staffed by licensed nurses, provides superior guidance compared to competitors with limited hours or nonclinical staff.
- Nationwide provider acceptance: Our research confirmed that Cigna Medicare Supplement beneficiaries can see any provider who accepts Medicare with no network restrictions, giving members maximum flexibility in their health care choices.
- Healthy Rewards Program: When we evaluated supplemental benefits, we discovered Cigna’s discount program offers savings on fitness, nutrition, vision, dental, and alternative medicine services that go beyond standard Medicare coverage.
- Comprehensive foreign travel coverage: Our comparison of travel benefits revealed that Cigna’s Plans F, G, and N all include foreign travel emergency coverage, covering 80 percent of emergency care costs abroad (after a $250 deductible) up to lifetime limits.
Cons
- Limited plan selection: Cigna offers only four Medigap plan types (A, F, G, and N), which is significantly fewer than competitors like Humana, which offer eight different plan options.
- Above-average complaint rates: Cigna receives more complaints than average for their Medicare Supplement Insurance plans, according to our analysis of National Association of Insurance Commissioners data, which suggests potential customer satisfaction issues.
- Inconsistent availability of the Healthy Rewards Program: During our investigation of supplemental benefits, we discovered that the Healthy Rewards Program isn’t universally available in all service areas, potentially disappointing members who expect this benefit.
Overview of Cigna’s Medigap Plans
Let’s examine the specific Medicare Supplement plans Cigna offers and their benefits. Our research confirmed that Cigna provides four standardized Medigap plans: A, F (including High-Deductible F), G, and N.
| Benefits | A | F and High-Deductible F** | G | N |
|---|---|---|---|---|
| Medicare Part A deductible | No | Yes | Yes | Yes |
| Medicare Part A coinsurance and coverage for hospital benefits | Yes | Yes | Yes | Yes |
| Skilled nursing facility care coinsurance | No | Yes | Yes | Yes |
| Hospice care coinsurance or copayment | Yes | Yes | Yes | Yes |
| First three pints of blood | Yes | Yes | Yes | Yes |
| Medicare Part B deductible | No | Yes | No | No |
| Medicare Part B coinsurance or copayment | Yes | Yes | Yes | Yes (copays apply) |
| Medicare Part B excess charges | No | Yes | Yes | No |
| Foreign travel emergency (up to plan limits) | No | Yes | Yes | Yes |
| Additional programs and savings offered by Cigna | Yes | Yes | Yes | Yes |
*Plan N covers 100 percent of the Part B coinsurance, excluding a copayment of up to $20 for some office visits and a $50 copayment for emergency room visits that don’t result in an in-patient admission.
** Plan F is not available to those who became eligible for Medicare on or after January 1, 2020.
When comparing Medigap plans, it’s important to remember that all Medigap policies are standardized, and the level of coverage does not change over time. This means policies with the same letter offer the same basic benefits, no matter where you live or which insurance company you buy the policy from. There are 10 different types of Medigap policies offered in most states, which are named by letters: A-D, F, G, and K-N. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized differently. Not all companies offer every plan type.
To learn more about how this works, read our full guide to Medigap.
Finding the Right Cigna Medigap Plan for Your Needs
Cigna’s four Medigap plans provide fewer options than some competitors in the market. While Humana offers up to eight plans in certain areas and is available nationwide, Cigna has a more limited selection and geographic reach. Let’s explore which of Cigna’s available plans might best suit different health care needs and preferences.
Basic Coverage for Essential Protection
Our research indicates that Plan A could be appropriate for those seeking minimal supplemental coverage at a lower cost. This entry-level plan covers the basics, including Part B coinsurance and some hospital costs. We found that this plan leaves you responsible for both Part A and Part B deductibles but provides essential protection against potentially high coinsurance costs for hospital and medical services. It also includes coverage for hospice care coinsurance and copayments.
Quick Tip: Based on our research, Plans A, F, and G typically have higher premiums but cover more costs up-front, while Plan N balances lower premiums with some cost-sharing requirements when you receive care.
International Coverage for Frequent Travelers
Our examination of Cigna’s plans revealed that Plans N, G, F, and High-Deductible F include foreign travel emergency benefits. This coverage applies to medically necessary emergency care outside the United States during the first two months of a trip. Based on our analysis of plan documents, these plans pay 80 percent of emergency care costs after you meet a $250 yearly deductible, up to a lifetime limit.
FYI: Heading overseas? Our research suggests supplementing your Medigap coverage with dedicated travel insurance for seniors for more comprehensive protection.
Balanced Coverage with Cost-Sharing
Analyzing premium structures and coverage levels, we found that Plan N presents an effective middle ground. This plan features lower monthly premiums in exchange for some predictable out-of-pocket expenses. According to our review of plan benefits, you’ll pay up to $20 for certain office visits and up to $50 for emergency room visits that don’t result in hospital admission. You’ll also be responsible for any excess charges (when providers bill above Medicare-approved amounts).
Maximum Protection With Plan F
For those seeking the most comprehensive coverage with minimal out-of-pocket costs, our research indicates Plan F is the most robust option in Cigna’s lineup. This plan stands out in our analysis for covering the Medicare Part B deductible — a benefit not included in most other plans. However, we must note that this plan is only available to beneficiaries who became eligible for Medicare before January 2020.
High-Deductible Options for Lower Premiums
When reviewing Cigna’s premium structures, we discovered that their High-Deductible Plan F offers identical coverage to standard Plan F but with significantly reduced monthly premiums. Our analysis shows this option requires you to cover more costs initially through a higher yearly deductible, making it potentially suitable for those who anticipate fewer medical expenses but want comprehensive protection against major costs.
Comprehensive Coverage at a Reasonable Price
Our comparative analysis of coverage versus cost revealed that Plan G represents an excellent value for many beneficiaries. This plan provides nearly identical coverage to Plan F (missing only the Part B deductible coverage) while typically offering more affordable premiums. Based on our research of plan benefits, Plan G covers Part B coinsurance, excess charges, and foreign travel emergencies, making it comprehensive while remaining more accessible than Plan F.
Our interviews with Medicare experts found that professional guidance can be invaluable when selecting a Medigap plan. The Centers for Medicare and Medicaid Services offers detailed information through their “Choosing a Medigap Policy” guide, and your local State Health Insurance Assistance Program (SHIP) provides free personalized counseling.
Understanding Cigna Medigap Plan Costs
Based on our research, Cigna’s Medicare Supplement premiums vary significantly depending on your geographic location, age, gender, and the specific plan you select.
When comparing Medigap providers, we discovered that premium differences represent the primary distinction between companies offering the same standardized plans. The Medicare specialists we spoke to emphasized the importance of comparison shopping and considering additional value factors beyond the monthly premium.
Our investigation into Cigna’s discount structure found they offer a 7 percent household premium discount: a solid middle ground in the industry. This discount applies when you live with another person 18 or older or with another Cigna Medigap policyholder. For comparison, our research of competitors revealed that discount rates range from as low as 5 percent to as high as 14 percent; Mutual of Omaha offers one of the highest at 12 percent. We noted that availability varies by location.
Based on quotes we gathered during our research, here’s an example of Cigna’s pricing structure for a 65-year-old male in a midwestern metropolitan area:
| Plan | Approximate Premium Range* |
|---|---|
| A | $130-$145 |
| F | Not available to new Medicare enrollees |
| G High Deductible | $40-$50 |
| G | $115-$125 |
| N | $75-$85 |
*Premium ranges shown before any applicable discounts
Cigna’s pricing across multiple markets indicates their premiums tend to be somewhat higher than those of their lowest-priced competitors, our comprehensive review suggests. However, our analysis shows their discount programs can substantially narrow this gap for eligible applicants.
According to Medicare.gov, Medigap premiums can vary widely by geographic location, company, and plan type. Our research confirms this variability, and we recommend getting personalized quotes for your specific situation to make accurate comparisons.
Enrolling in a Cigna Medicare Supplement Plan
We noted several things to keep in mind about Cigna’s enrollment process. Most significantly, our research confirmed Cigna offers additional premium discounts for online applications, creating a financial incentive to complete the process digitally. For comparison, our analysis of competitors found that AARP’s Medigap plans through UnitedHealthcare provide membership-based discounts and more flexible carrier-switching options.
During our review of customer support options, we found that Cigna provides telephone assistance through dedicated agents available for extended hours (8 a.m. to 11 p.m. EDT daily). However, unlike some competitors, such as State Farm, our research indicated Cigna doesn’t offer in-person agent consultations, which may be important to seniors who prefer face-to-face guidance.
Based on our thorough examination of the enrollment process, here’s a streamlined guide to applying for Cigna Medicare Supplement coverage:
- Begin by visiting the Cigna Medicare Supplement website. Their digital platform requires you to enter your ZIP code first to determine available plans in your area, followed by basic demographic information.
- After you enter your information, the system will display eligible plans for your location. We recommend carefully reviewing each option’s coverage details and premium costs.
- Before proceeding further, have your Medicare card available. During our process review, we found you’ll need to provide specific Medicare effective dates to continue.
- The application continues with qualifying questions that our research indicates are designed to determine eligibility and appropriate rate classification. These questions appeared comprehensive while remaining navigable.
- At this stage, our comparative analysis suggests considering competitor offerings. Because Cigna offers only four of their 10 standardized Medigap plans, checking alternatives may reveal options better suited to your specific needs.
- If you decide to proceed with Cigna, the entire application can be completed online. Payment options are flexible: You can choose payment via automatic bank drafts (with selectable monthly dates) or direct billing with payment frequency options (annual, semiannual, or quarterly).
Comparing Cigna to Other Medigap Providers
Our analysis of Medicare Supplement providers revealed significant differences in plan offerings, pricing structures, and additional benefits. We discovered several important distinctions that might influence your choice between Cigna and other major competitors.
Cigna and Humana: Contrasting Approaches
Humana offers a user-friendly online enrollment system and competitive enrollment incentives. Our research revealed Humana offers a 6 percent online application discount, which is comparable to Cigna’s digital enrollment savings. The most significant difference we identified was in plan variety. Our analysis showed Humana provides up to eight different Medigap plans, depending on your location, which is twice as many as Cigna’s four-plan lineup. Additionally, Humana includes SilverSneakers fitness membership at no additional cost, a valuable wellness benefit. For a detailed analysis, see our complete Humana Medigap review.
Did You Know: According to projections from the American Association for Medicare Supplement Insurance, Medicare Supplement enrollment is expected to grow substantially, covering approximately 17.4 million beneficiaries by 2032.
Cigna versus Anthem Blue Cross: Pricing and Extras
Our comparative research identified that Anthem Blue Cross differentiates their Medicare Supplement offerings through complementary products and discount structures. While they offer the same number of Medigap plans as Cigna (four), Anthem provides options to add stand-alone Part D prescription drug plans and vision coverage. Anthem offers a 5 percent household discount — slightly less generous than Cigna’s 7 percent — but also provides a unique annual enrollment discount not available through Cigna. During our evaluation of their digital tools, we discovered Anthem offers a comprehensive rate guide showing premiums based on multiple demographic factors.
Cigna compared to Aetna: Coverage Combinations and Pricing Stability
Our research found Aetna to be a versatile provider with multiple coverage combination options. Aetna offers a household discount up to 7 percent — identical to Cigna’s — when multiple household members enroll. During our comparison of digital experiences, we found Aetna’s online quote system particularly efficient. One noteworthy distinction concerns premium stability: Cigna’s attained-age pricing model provides predictable increases over time, offering more transparent long-term cost projections. For an in-depth look at this alternative, review our Aetna Medigap review.
>> Read More: Aetna Medicare Advantage Review
Additional Benefits
Although Medicare Supplement plans offer standardized core benefits regardless of the insurer, our investigation of Cigna’s supplemental offerings uncovered several distinguishing features. These extras don’t alter the fundamental Medigap coverage, but our analysis suggests they may enhance the overall value for members.
Wellness Discount Program
Cigna’s Healthy Rewards program provides members with access to discounted rates on various wellness services. Based on our analysis, participants can save on fitness memberships, nutritional counseling, wellness products, vision and hearing services, and alternative treatments such as acupuncture and massage therapy.
We also found that Cigna’s discount structure offers savings comparable to UnitedHealthcare’s AARP member discounts. However, Cigna’s vendor network is somewhat smaller than some competitors’ networks. An important caveat our research uncovered is that this program isn’t universally available across all service areas, so prospective members should verify accessibility in their location.
For individuals who regularly utilize these types of services, the potential savings could represent meaningful additional value beyond standard Medigap benefits.
Around-the-Clock Health Consultation Access
Cigna’s 24/7 health information telephone line is a particularly valuable feature. This service connects members with health advocates who, based on our research, are all licensed nursing professionals capable of providing informed clinical guidance.
When evaluating similar offerings across the Medicare Supplement market, we found Cigna’s approach particularly robust. While some competitors offer telephone support services, our research indicated that many limit availability to business hours or staff lines with general customer service representatives rather than clinical professionals.
This service provides substantial practical value and potential peace of mind for members who have health questions outside of normal business hours or those looking for professional guidance in deciding whether to seek in-person care.
Evaluating Cigna’s Customer Service Experience
Our analysis of Cigna’s support systems revealed multiple contact channels but identified some concerns regarding customer satisfaction. When we researched regulatory data from the National Association of Insurance Commissioners, we discovered Cigna’s Medicare Supplement plans generate more customer complaints relative to their market share than the industry average. This finding suggests possible challenges with claims processing, billing accuracy, or policy administration.
Based on our investigation of available support options, Cigna Medicare Supplement members can access assistance through several methods:
- Telephone support via dedicated numbers (specific to each member’s plan)
- Digital account management through Cigna’s online portal
- Electronic communication through email channels
- Mobile device access via Cigna’s smartphone application
Our comparative evaluation of service accessibility across Medicare Supplement providers found that Cigna’s telephone support hours (8 a.m. to 11 p.m. EDT daily) exceed industry norms. Most competitors we researched offer more limited hours, particularly on weekends. Unlike certain other insurers, however, Cigna doesn’t provide face-to-face agent consultations — a potential disadvantage for seniors who value in-person support for complex insurance matters.
Cigna Medicare Supplement Service Area
Cigna offers Medicare Supplement Insurance plans in Washington, D.C., and every state except Massachusetts and New York. When comparing geographical coverage to other major providers, this puts Cigna behind companies like Humana, which offer plans in all 50 states.
Cigna covers a significant number of Medicare Supplement Insurance beneficiaries, though it has a smaller market share compared to industry leaders like UnitedHealthcare/AARP. This positions the insurer as a mid-sized player in the Medigap market.
Assessing Cigna’s Financial Stability
Our analysis of Cigna’s financial foundation reveals important considerations for prospective Medicare Supplement policyholders. Since Medigap plans represent a long-term financial relationship, our research team evaluated Cigna’s ability to reliably meet future claim obligations.
In our examination of corporate financial indicators, we identified several key insights:
- Corporate Scale and Resources: Our research confirmed Cigna maintains a consistently strong position on the Fortune 500 list, demonstrating substantial financial capacity and business stability.
- Medical Loss Ratio Performance: During our investigation of regulatory filings, we discovered Cigna directs a lower percentage of Medigap premium dollars toward member benefits compared to industry averages. While this efficiency ratio remains well above mandatory minimum requirements, it suggests a somewhat less favorable premium value than certain competitors.
- Broader Market Positioning: Our industry analysis confirmed that Cigna serves a substantial customer base across diverse insurance product lines, indicating robust overall business operations and reduced vulnerability to segment-specific challenges.
In a comparative assessment of premium utilization efficiency, we found that while Cigna’s benefit spending ratio lags somewhat behind industry leaders, it significantly exceeds regulatory minimums. This positions them as offering adequate though not industry-leading value in terms of premium dollars returned as benefits. This financial efficiency metric represents just one factor to consider when weighing coverage options, premium costs, and supplemental benefits.
Methodology
To evaluate Cigna’s Medicare Supplement Insurance, our research team employed a comprehensive methodology focusing on plan analysis, cost comparisons, benefit evaluation, and customer experience assessment:
- Plan Availability Analysis: We analyzed which of the standardized Medigap plans Cigna offers across different states, comparing their selection to industry norms and competitors’ offerings.
- Premium Cost Evaluation: We gathered premium data from multiple geographical regions to compare Cigna’s pricing against the lowest available alternatives in each market. We calculated percentage differences to quantify their competitive position.
- Discount Structure Analysis: We researched all available discounts, including household and online enrollment savings, calculating potential maximum savings for various applicant profiles.
- Complaint Data Assessment: We examined complaint data from the National Association of Insurance Commissioners, calculating Cigna’s complaint ratio relative to market share and comparing it to industry averages.
- Additional Benefits Comparison: We evaluated Cigna’s supplemental offerings, including the Healthy Rewards Program and health information line, comparing their accessibility and value to similar programs from competitors.
- Customer Service Evaluation: We assessed service availability across multiple channels, including phone hours, online portal capabilities, and mobile access, comparing against industry standards.
- Market Position Research: We analyzed Cigna’s market share, geographical coverage, and financial indicators to determine their position and stability in the Medicare Insurance market.
Our analysis weighted factors based on their importance to Medicare beneficiaries, with cost, coverage comprehensiveness, and customer satisfaction receiving the highest priority in our final assessment.
Conclusion
After thoroughly researching Cigna’s Medicare Supplement Insurance plans, we found they offer solid coverage at competitive, but not industry-leading, prices. Their strongest features include valuable discount opportunities that can reduce premiums by up to 25 percent, a helpful 24/7 health information line staffed by licensed nurses, and their Healthy Rewards program that provides savings on services not covered by Medicare.
Cigna’s primary limitations include a restricted selection of only four plan types (compared to as many as eight from some competitors), above-average complaint rates, and incomplete geographical coverage with no plans available in Massachusetts and New York. These factors may make Cigna less appealing for consumers seeking the broadest range of plan options or those living in excluded states.
For price-conscious consumers, Cigna’s High-Deductible Plan G offers an affordable option with substantially lower monthly premiums. Their standard Plan G provides comprehensive coverage at a moderate price point. Their 7 percent household discount, while not the most generous in the industry, provides meaningful savings for couples.
Cigna represents a solid choice for Medicare beneficiaries who prefer a financially stable, established insurance provider and value supplemental benefits, such as Cigna’s health information line. However, those seeking the absolute lowest premiums or widest selection of plan options may want to compare Cigna’s offerings with those of other providers before making a final decision.
Frequently Asked Questions
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Which Medicare Supplement plans does Cigna offer?
Cigna offers four standardized Medicare Supplement plans: Plan A (basic coverage), Plan F and High-Deductible F (comprehensive coverage, only available to those Medicare-eligible before 2020), Plan G (comprehensive coverage except for the Part B deductible), and Plan N (similar to Plan G but with certain copays). Our research found this selection more limited than competitors offering up to eight different plan types.
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Does Cigna offer High-Deductible Plan G?
Yes, our research confirmed that Cigna offers High-Deductible Plan G in some areas. This plan provides the same comprehensive coverage as standard Plan G but with a significantly lower monthly premium. The trade-off is that you must pay a higher deductible before coverage begins. Based on quotes we obtained during our research, High-Deductible Plan G offers significantly lower monthly premiums, making it an affordable option for those willing to accept higher initial out-of-pocket costs.
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How does Cigna's pricing compare to other Medigap providers?
Our analysis of pricing data across multiple metropolitan areas found that Cigna’s premiums were generally higher than the lowest-cost alternatives in the market. However, Cigna offers discount opportunities of up to 25 percent, including a 7 percent household discount and savings for online enrollment, which can significantly reduce these premiums for qualifying applicants.
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What discounts does Cigna offer on Medicare Supplement plans?
Cigna offers several discount opportunities that can collectively save members up to 25 percent on premiums. These include a 7 percent household discount for those who live with another person who is 18 or older (or with another Cigna Medigap policyholder), plus additional discounts for online application. Our research found these discounts competitive but not industry-leading, as some competitors offer household discounts of up to 12 percent to 14 percent.
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Is Cigna a good choice for Medicare Supplement Insurance?
Cigna is a solid choice for Medicare Supplement Insurance, particularly for those who value additional benefits like the 24/7 health information line and Healthy Rewards program. However, our research indicates they may not be ideal for everyone. Their limited plan selection (only four of the 10 standardized Medigap plans), above-average complaint rates, and absence from two states (Massachusetts and New York) are important considerations. We recommend comparing Cigna’s specific offerings in your area with other providers before making a decision.
