Cigna Medicare Supplement Review

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A.M. Best financial strength rating: A BBB rating: A-  NCQA rating: 2.5 to 4 Consumer Affairs rating: 4

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 who were 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 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
  • There are six different options of each Plan that is offered
  • Cigna only offers five plans out of a possible ten
  • Medigap plans for people who are eligible for Medicare due to disability are not available in all states

What Do Cigna Medicare Supplement Plans Cover?

Also known as Medigap, Cigna Medicare Supplement plans work with Original Medicare Parts A and B. They help beneficiaries reduce their out-of-pocket costs by lowering or eliminating copays, coinsurance payments, and deductibles. Coverage is valid at Medicare-participating doctors and hospitals across the United States even when traveling, and plans are guaranteed to be renewable as long as you continue to pay your premiums. Medicare Supplement policies are compatible with Part D plans that can lower your prescription drug costs.

Once you are a Cigna Medicare Supplement plan member, the following services and discounts are included:

  • Healthy Rewards Program (discounts on health and wellness programs and services)
  • Health Information Line (speak with a health advocate 24/7)

Cigna Medicare Supplement Plan Options

There are 10 universal Medigap policies known as plans A, B, C, D, F, G, K, L, M, and N, including standardized benefits and copay reductions. Plans C and F are only available to existing Medicare enrollees who became eligible for Medicare before 2020. New beneficiaries can sign up for a Medigap plan without restrictions during their seven-month initial enrollment period. Otherwise, insurers can base eligibility on your medical history.

Cigna Health Insurance offers five Medicare Supplement plans in most geographic areas. For Plans A, G, and N, there are up to six different options available, including: a Standard plan, a Standard plan with 6% HHD, a Standard plan with 15% HHD, Standard II, Standard II (with 15% HHD), and Standard II (with 6% HHD).

With the exception of Plan F, you’re responsible for paying your $233 Part B deductible (in 2022) for medical services and diagnostics. Medigap policies can reduce or eliminate your Part A hospital deductible, which can save you up to $1,556 per benefit period. Some plans may pick up excess charges beyond Medicare-approved amounts, and they can limit your out-of-pocket expenses.

Learn more about some of the Cigna Medicare Supplement plans that may be available in your area (premium costs vary depending on which option of Plan A, G, or N, you choose. Contact Cigna for more information about what you pay):

Plan name Monthly premium† Part A hospital deductible Part B medical deductible Member responsibility for excess charges Out-of-pocket maximum
Plan A $80 – $277 $1,556 $233 All costs N/A
Plan G $110-$375 $0 $233 $0 N/A
Plan N $77- $341 $0 $233 Up to $20 for office visits or up to $50 for ER care N/A

*Based on pricing in Denver, CO for a 65 year old woman, no tobacco use
†Rates are based on medical eligibility

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.

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how AM Best, the Better Business Bureau and more rate AARP Medicare Supplement plans.

A.M. Best financial strength rating: A A.M. Best is a credit rating agency that specializes in the insurance industry.

An A rating in this category indicates that A.M. Best believes Cigna Health and Life Insurance Company has an excellent ability to meet its ongoing insurance obligations.

BBB rating: A- 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.
National Committee for Quality Assurance (NCQA) rating: 2.5 to 4 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.
Consumer Affairs rating: 4 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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Certified Senior Advisor (CSA)Ⓡ

As a health care professional since 1987, Kelly Blackwell has walked alongside and cared for seniors as they journey through the season of their fourth quarter of life. Blackwell holds a Bachelor of Science in nursing from the University of Northern Colorado, a Master of Science in health care administration from Grand Canyon University, an interprofessional graduate certificate in palliative care from the University of Colorado Anschutz Medical Campus and holds a Certified Senior Advisor® credential from the Society of Certified Senior Advisors.

Blackwell contributes to the University of Colorado-Anschutz blog and has been published in “The Human Touch” distributed by the University of Colorado Center for Bioethics and Humanities. She cowrote “Dying Is” for Pathways Hospice.

A registered nurse, Blackwell understands health insurance choices influence quality of life and are driven by values, goals, and beliefs. She’s passionate about engaging with, educating, and empowering seniors as they navigate the health care system. She’s equipped to lend an experienced, compassionate voice to beneficiaries seeking information about Medicare Advantage Plans.

As a CSA®, Blackwell has access to valuable resources for Medicare beneficiaries. Her work as a bedside nurse and clinical manager has given her the opportunity to see how Medicare rules, regulations, and benefits work when patients need them. With a passion to learn and to make a difference in the lives of seniors, Blackwell supports seniors through Medicare and fourth-quarter life decisions.

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