Cigna Medicare Supplemental Insurance Reviews

Cigna Medicare Supplement Quick Insurance Plan Overview: Cigna Medicare Supplemental Insurance plans offer good coverage and affordable premiums. However, only three plans are available to customers who qualify for Medicare after January 1, 2020.

Founded in 1981, Cigna is a major insurance company that offers Medicare supplemental plans, also known as Medigap insurance, in most US states. With Cigna Medigap insurance, you can use the doctor or hospital of your choice while Medicare is used. A referral is not required unless requested by Medicare Original.

Cigna offers a variety of additional Medicare plans, from those that maximize coverage to others with low premiums but predictable costs. Two F plans include Part B deductions if you qualify for Medicare before January 1, 2020.

Pros and Cons of Cigna Medicare Supplement Plan

What we like about the Cigna Medicare Supplement plan
  • They are available in most states
  • You can view every Medicare provider
  • There is a free health information hotline and a health reward program
  • There are six different options for each package offered
The backdrops of Cigna Medicare Supplement plan
  • Cigna only offers five out of ten possible plans
  • Medigap plans for people who qualify for Medicare because of a disability are not available in all states

What Do Cigna Medicare Supplement Plans Cover?

The Cigna Medicare Supplement plan, also known as Medigap, works with actual Medicare Parts A and B. They help beneficiaries lower their costs by reducing or eliminating co-payments, coinsurance payments, and deductions. Coverage extends to Medicare-participating doctors and hospitals in the United States, including when traveling, and the guaranteed plan is renewable as long as you continue to pay your premiums. Medicare’s supplement policies are compatible with Part D plans, which can help reduce your prescription drug costs.

Once you become a member of the Cigna Medicare Supplement Plan, the following benefits and discounts are included:

Healthy Rewards Program (discounts on health and wellness programs and services)
Health Information Line (talk to a health advocate 24 hours a day)

Cigna Medicare Supplement Plan Options

The Cigna Medicare Supplement plan, also known as Medigap, works with actual Medicare Parts A and B. They help beneficiaries lower their costs by reducing or eliminating co-payments, coinsurance payments, and deductions. Coverage extends to Medicare-participating doctors and hospitals in the United States, including when traveling, and the guaranteed plan is renewable as long as you continue to pay your premiums. Medicare’s supplement policies are compatible with Part D plans, which can help reduce your prescription drug costs.

Once you become a member of the Cigna Medicare Supplement Plan, the following benefits and discounts are included:

  • Healthy Rewards Program (discounts on health and wellness programs and services)
  • Health Information Line (talk to a health advocate 24 hours a day)

There are 10 universal Medigap policies known as Plans A, B, C, D, F, G, K, L, M, and N, including standard benefits and supplements. Plans C and F are only available to exist Medicare customers who were eligible for Medicare prior to 2020. New recipients can enroll in an unlimited Medigap plan during their initial seven-month enrollment period. Otherwise, the insurance company can base eligibility on your medical history.

Cigna Health Insurance offers five Medicare supplement plans in most geographic areas. Up to six different options are available for Plans A, G, and N including Standard Plan, Standard Plan with 6% HHD, 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 are responsible for paying a $233 Part B discount (by 2022) on medical and diagnostic benefits. A Medigap policy can reduce or eliminate your Part A hospital deduction, saving you up to $1,556 for one compensation period. Some plans may charge extra beyond the Medicare-approved amount and limit your own spending.

Learn more about some of the Cigna Medicare Supplement plans that may be available in your area (premium costs vary depending on the A, G, or N plan option 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 from $80 – $277 $1,556 $233 All costs N/A
Plan G from $110-$375 $0 $233 $0 N/A
Plan N from $77- $341 $0 $233 goes up to $20 for office visits or up to $50 for ER care N/A

 

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