Cigna Medicare Supplement Review

Fact Checked
Reviewed by: Kelly Blackwell, Certified Senior Advisor®
Updated: October 10, 2021

Find out whether Cigna Medicare Supplement Insurance is a good fit for you.

 

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Kelly Blackwell
Certified Senior Advisor (CSA)®
Kelly Blackwell
Certified Senior Advisor (CSA)®

Kelly Blackwell is a Certified Senior Advisor (CSA)®. She has been a healthcare professional for over 30 years, with experience working as a bedside nurse and as a Clinical Manager. She has a passion for educating, assisting and advising seniors throughout the healthcare process.

Quick Cigna Medicare Supplement Insurance plans review: Cigna Medicare Supplement Insurance plans offer good coverage and affordable premiums. However, only three plans are available for customers becoming eligible for Medicare after January 1, 2020.

Established in 1981, Cigna is a large insurer and offers Medicare Supplement Insurance plans, also known as Medigap insurance, in most U.S. states. With Cigna Medigap insurance, you’re free to use a doctor or hospital of your choice, provided Medicare is accepted. Referrals aren’t needed except when required by Original Medicare.

Cigna offers a range of Medicare Supplement Insurance plans from those that maximize coverage to others with low premiums but predictable out-of-pocket expenses. Two F Plans include Part B deductible coverage if you qualified for Medicare before January 1, 2020.

Read on to learn more about Cigna Medigap plans.

Pros and Cons of Cigna Medicare Supplement Insurance Plans

What we like about Cigna Medicare Supplement Plans: The drawbacks of Cigna Medicare Supplement plans:
  • They’re available in most states
  • You can see any Medicare medical provider
  • There’s a free Health Information Line and a Healthy Rewards program
  • Cigna only offers five plans out of a possible ten
  • Medigap plans for people with a disability are not available in all states

What Do Cigna Medicare Supplement Insurance Plans Cover?

Cigna Medicare Supplement Insurance plans cover most deductibles and coinsurance costs not covered by Original Medicare (Part A and Part B). Only available with Original Medicare, you can’t purchase Medicare Supplement Insurance plans with a Medicare Advantage Plan.

Cigna offers several Medicare Supplement Plans, allowing you to choose one that’s best for your needs. These plans may include reimbursement for Part A hospital deductibles and copays, extending hospitalization coverage for up to 365 days, hospice copays, and deductibles for skilled nursing for up to 100 days. Depending on the policy, Medicare Part B excess charges are covered, as are foreign travel emergency expenses up to $50,000.

Cigna Medicare Supplement Insurance Plan Options

Cigna has five Medicare Supplement Plans. Plans G, N, and A are available if you’re on Original Medicare. Plans F and High Deductible Plan F are only available if you were first eligible for Medicare before 2020.

Most plans cover all Medicare Part A deductibles and provide coinsurance and coverage for hospitalization, skilled nursing, and hospice. Only plans F and High Deductible Plan F cover Medicare Part B deductibles. All provide coinsurance or copays for Medicare Part B. Benefits covered by these plans are the same across all insurers; the only difference is premiums may vary depending on health, age, gender, and where you live.

Cigna offers several additional programs, including Healthy Rewards and a Health Information Line. The Healthy Rewards program offers discounts and savings for a variety of health and wellness programs. Compare your Cigna Medicare Supplement Plan options.

Plan name Monthly premium* Annual deductible Office visits Telehealth Emergency room
Cigna Medicare Supplement Plan G $328 Not covered Coinsurance and excess charge covered Coinsurance and excess charge covered Coinsurance costs covered
Cigna Medicare Supplement Plan N $234 Not covered $20 copay per visit, excess charges not covered $20 copay per visit, excess charges not covered $50 copay per visit, excess charges not covered
Cigna Medicare Supplement Plan A $248 Not covered Copay and excess charge covered Copay and excess charge covered Copay covered

*Based on pricing in Miami, FL

Cigna Medicare Supplement Insurance Plans Reviews and Ratings

Rating agencies generally view Cigna Medicare Supplement Insurance plans in a positive light. Customer satisfaction levels are good with many constructive comments.

The National Committee for Quality Assurance (NCQA) does not rate Medicare Supplement Insurance plans separately, but its ratings for Cigna health insurance plans in eight states were between 4.0 and 2.5 on a scale of 0 to 5. The average rating across these states was 3.5. Some Cigna plans have NCQA accreditation.

The Better Business Bureau (BBB) gives Cigna an A- rating representing a high level of satisfaction in resolving and answering customer complaints and overall performance.

Consumer Affairs gives Cigna Medicare Supplement Plans a 4.1 out of 5, based on 419 Consumer Affairs reviews in the past year. Many customers praise Cigna for its coverage, good claims processing, and ethics, although some customers were critical of out-of-pocket expenses and unresolved administrative issues.

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