Cigna Medicare Supplement Insurance Review
We have carefully reviewed Cigna and found that they may not always provide the most competitive pricing for Medicare Supplement insurance. However, they offer up to 25% premium discounts, a user-friendly online portal, and a Healthy Rewards program that provides discounts of up to 25% on a wide range of health and wellness products and services.
Additionally, Cigna provides convenient options for bundling dental, vision, or hearing coverage for an additional premium as low as $32 monthly.
Cigna offers guaranteed renewable Medigap plans F, G, A, and N in most states, and in some states, they offer a high-deductible version of Plan F and G.
Plan G premiums usually range between $100 and $250 per month, while Plan N typically ranges from $100 to $200.
While some customers have expressed dissatisfaction with Cigna’s customer service, stating that the company’s representatives can be unresponsive or difficult to deal with, Cigna performs relatively well regarding financial ratings. It has an “A” (Excellent) rating from A.M.
- Plans F, G, N, and A offered in 48 states
- Guaranteed renewable for life
- Several discount opportunities
- Online portal for easy access to ID cards & plan information
- Health and wellness rewards discount program
- Not always the most competitive rates
- Negative customer feedback
- Unavailable in Massachusetts or New York
- Discounts don’t apply in many states
Cigna is a reputable healthcare provider and the fourth-largest in the market. Although some negative feedback can be concerning, we recommend considering Cigna’s various popular Medigap plan options.
What Do Cigna Medigap Plans Cover?
Cigna Medicare Supplement plans cover expenses not covered by Original Medicare (Parts A and B), including:
- Medicare Part A deductible
- Medicare Part B deductible
- Medicare Part B excess charges
- Medicare Part A coinsurance and copayments
- Medicare Part B coinsurance and copayments
- Up to 365 additional days of inpatient hospital costs
- First 3 pints of blood required for a transfusion
- Hospice care coinsurance & copayments
- Skilled nursing facility care coinsurance
- Foreign travel emergency medical care
The range of coverage you receive will depend on your chosen Cigna Medicare Supplement insurance policy.
Which Medigap Plans Does Cigna Offer?
Cigna offers guaranteed renewable Medigap plans F, G, A, and N and a high-deductible version of Plans F and G (in some locations). Let’s look at the most popular Cigna Medicare Supplement insurance policies available for enrollment.
Cigna Medicare Supplement Plan F
Medigap Plan F covers all the benefits listed above, including the Medicare Part B deductible. It’s the only plan that still covers that deductible, but eligibility for Plan F is limited to beneficiaries who qualified for Medicare coverage before January 1, 2020. See details for Plan G below if you want a comprehensive supplement policy but are not eligible for Plan F.
Plan F comes with the highest monthly premiums because it maximizes coverage. You can reduce your premium if you select the High-deductible Plan F. That policy offers the same benefits, but you must pay a higher deductible out-of-pocket before receiving those benefits.
Who Should Consider Plan F?
Longtime Medicare beneficiaries: only those eligible for Medicare before January 1, 2020, can enroll. Plan F offers full coverage with no out-of-pocket costs for covered services if you qualify.
People who want predictable costs: with no deductibles, copays, or excess charges, Plan F is ideal for those who prefer to pay a higher premium in exchange for zero medical bills later.
Frequent healthcare users: if you see doctors often, need regular outpatient procedures, or have chronic conditions, Plan F can provide peace of mind.
Cigna Medicare Supplement Plan G
Medigap Plan G covers all benefits Plan F offers except the Part B deductible. This is the most comprehensive plan option for beneficiaries who qualify for Medicare on or after January 1, 2020. Most beneficiaries enrolling in Cigna Medicare Supplement plans today will be eligible for Plan G but not Plan F.
Who Should Consider Plan G?
New Medicare beneficiaries (After January 1, 2020): Since Plan F is no longer available to new enrollees, Plan G is the most comprehensive option.
Those who want maximum coverage (minus the Part B deductible): the only cost not covered is the Medicare Part B deductible, which is $257 in 2025 – after that, Plan G covers everything.
People who want peace of mind without excess charges: unlike Plan N, Plan G covers Part B excess charges, making it ideal if you visit specialists who do not accept Medicare’s assigned rates.
Cigna High-Deductible Plan G
This plan covers the same benefits as standard Plan G, but you must meet a higher annual deductible ($2,870 in 2025) before coverage kicks in.
Who Should Consider High-Deductible Plan G?
Healthy beneficiaries who rarely need care: if you don’t anticipate frequent doctor visits or hospital stays, this plan allows you to pay a lower premium while still having strong financial protection for major medical events.
Those who want a backup for unexpected healthcare costs: if you’re comfortable paying out-of-pocket for routine care but want protection against large medical expenses, this plan can be a good fit.
People transitioning from an HSA plan: if you previously had a high-deductible health plan (HDHP) with an HSA, this may feel familiar in structure while still offering Medigap benefits.
Cigna Medicare Supplement Plan N
Medigap Plan N covers most out-of-pocket Medicare expenses with the following exceptions:
- No coverage for Part B excess charges
- No coverage for the Part B deductible
- Requires copay of up to $20 for some doctor’s office visits
- Requires copay of up to $50 for emergency room visits (copay is waived if admitted to the hospital)
All other expenses included in the general list of Medigap policy coverage above are covered under Cigna Plan N. That includes 80% of foreign travel emergency medical expenses.
Who Should Consider Plan N?
Cost-conscious individuals: Plan N offers lower premiums than Plan G but has some copays for doctor visits ($20) and emergency room visits ($50).
People who rarely see specialists: since Plan N does not cover Part B excess charges, it’s best for those who visit doctors that accept Medicare’s standard rates.
Healthier beneficiaries who want coverage for major costs: if you don’t anticipate frequent doctor visits but want solid hospital coverage, Plan N could be a good balance.
Foreign travelers: like Plans F and G, Plan N covers 80% of foreign emergency care, making it a good choice for travelers.
Cigna Medicare Supplement Plan A
Plan A may offer a lower premium option but significantly fewer benefits. It covers basic coinsurance and copayments for Medicare Part A and Part B but not much more. The more comprehensive policies are the most popular among policyholders because they offer more value in exchange for reasonable monthly premiums.
Who Should Consider Plan A?
Budget-conscious Medicare beneficiaries: Plan A has the lowest premiums but covers only basic benefits, making it ideal for those who want some help with out-of-pocket costs but don’t need comprehensive coverage.
People who want basic protection: if you’re okay with paying for some out-of-pocket expenses and just want coverage for Medicare Part A and Part B coinsurance/copays, Plan A may work for you.
Those who rarely need healthcare services: if you’re in excellent health and primarily want catastrophic coverage, Plan A may be a cost-effective option.
-
Important to note:
- Cigna offers High-deductible Plan F in: AZ, CA, CT, FL, GA, ID, IL, IA, MO, MT, NH, NJ, NM, ND, OR, RI, VT, VA, WA, and WV
- Cigna offers High-deductible Plan G in: AK, DE, KY, ME, MS, OH, OK, TX, and WY
How Much Is a Medigap Plan With Cigna?
Plan G usually costs between $100 and $250 per month, while Plan N generally falls within the $100 to $200. As for Plan F, the monthly cost typically ranges from $200 to $300.
The cost of a Medigap plan with Cigna varies based on location, including the specific plan type, your location, tobacco status, and age.
- 65: $154.65
- 70: $159.29
- 75: $191.95
- 65: $177.84
- 70: $183.19
- 75: $220.74
- 65: $136.61
- 70: $147.83
- 75: $171.38
- 65: $153.00
- 70: $165.57
- 75: $191.94
- 65: $200.85
- 70: $204.99
- 75: $232.11
- 65: $230.97
- 70: $235.74
- 75: $266.92
Cigna’s Premiums vs. Competitors: A Detailed Comparison
When choosing a Medicare Supplement Plan G, cost is often one of the most significant factors. While Cigna is a well-established provider in the Medicare Supplement market, how do its premiums compare to other top insurers?
To provide a clearer picture, we analyzed premium rates for some of the more populated zip codes in the U.S. and compared Cigna’s pricing to three of its notable competitors: ACE, Aflac, and Mutual of Omaha.
City-by-City Comparison
| City + State | Cigna | ACE | Aflac | Mutual of Omaha |
|---|---|---|---|---|
| Chicago, IL | $158 | $145 | $195 | $162 |
| El Paso, TX | $133 | $128 | $152 | $147 |
| Lakewood, NJ | $170 | $177 | $164 | $198 |
| Antioch, TN | $138 | $132 | $132 | $138 |
| Lawrenceville, GA | $170 | $159 | $201 | $203 |
-
Summary:
After analyzing the data, we found that Cigna’s Plan G premiums can be up to 6% lower than the options offered by its competitors.
Actual premium amounts will vary based on age, location, and tobacco status.
How Cigna Compares to Each Competitor
Cigna vs. ACE
ACE frequently offers competitive rates in multiple locations, often lower than Cigna. In Antioch, TN, for example, ACE is slightly cheaper at $132 compared to Cigna’s $138.
However, ACE only offers a 7% premium discount and does not provide additional benefits such as vision, dental, or hearing coverage.
Cigna vs. Aflac
Aflac’s rates are comparable to Cigna’s but can be slightly lower in some locations, such as Antioch, TN ($132 vs. $138). However, both Cigna and Aflac offer additional dental, vision, and hearing plans.
The primary deciding factor between these two providers is the monthly premium discount rather than additional benefits since both offer similar extra coverage options.
Cigna vs. Mutual of Omaha
Mutual of Omaha tends to have the highest premiums among the providers compared. For instance, in Lawrenceville, GA, Mutual of Omaha’s Plan G premium is $203 compared to Cigna’s $170.
Similar to Aflac, Mutual of Omaha also offers additional dental, vision, and hearing plans, so the choice between these companies boils down to their monthly premiums rather than differences in benefits.
All Medigap Plans = Standardized Benefits
- It is crucial to note that all Medigap Plan G policies offer the exact same standardized benefits, regardless of the provider. The primary differentiators between companies come down to monthly premiums and any additional perks that each company offers.
Overall Take
Our research indicates that while Cigna is not always the cheapest option, its rates remain competitive. The difference between Cigna and its competitors in each location varies slightly, with Cigna being up to 6% lower in some cases.
Since all Medigap Plan G benefits are standardized, choosing between these providers primarily comes down to cost and any extra perks that matter to you. If cost is the primary deciding factor, ACE and Aflac may offer more affordable alternatives.
However, if access to vision, dental, and hearing plans is essential, then choosing between Cigna, Aflac, and Mutual of Omaha becomes more about the monthly premium differences rather than the benefits themselves.
When evaluating Plan G options, it’s essential to consider more than just the premium costs. Before making a final decision, consider the provider’s financial stability, customer service quality, and overall policyholder experience.
Does Cigna Offer Discounts or Extra Benefits?
With Cigna, you can qualify for up to 20% premium discounts. On top of that, if you apply online, you’ll receive an additional 5% discount.
By including your spouse in the policy application, they can also qualify for the same 5% discount, which will remain in effect for the entire policy duration.
Cigna also offers its policyholders access to the Healthy Rewards program, providing discounts of up to 25% on a wide range of health and wellness products and services. The program covers several categories, including:
- Weight Management and Nutrition: Access to Jenny Craig
- Fitness: Discounts on Fitness Club Memberships like Active & Fit Direct and Just Walk 10,000 Steps-a-Day
- Vision and Hearing Care: Savings on exams, eyewear, contacts, Lasik vision correction, hearing exams, and aids
- Alternative Medicine: Affordable treatments like acupuncture, chiropractic care, massage therapy, physical therapy, occupational therapy, and podiatry
- Mind/Body: Gaiam yoga and wellness products
Please note that the availability and extent of discounts may vary depending on your specific location and plan.
Cigna also provides access to a 24/7 customer helpline, telehealth services, and personalized care management programs for individuals with chronic conditions.
Are There Additional Cigna Supplemental Policies?
Cigna offers standalone dental policies and conveniently bundled plans that provide dental, vision, or vision and hearing coverage. With average monthly premiums as low as $32, beneficiaries can choose the plan that best suits their needs and budget.
These bundles offer deductibles ranging from $50 to $100, dental benefits of up to $2,500, vision benefits of up to $300, hearing benefits of up to $700, dental implants on select plans, and the freedom to choose any dentist you prefer.
Cigna also provides a range of supplementary policies that cover accident expenses, accident treatment, cancer treatment, and insurance for heart attacks and strokes.
Cigna's Reviews and Financial Ratings
Despite being the fourth major player in the health insurance industry, Cigna has been the subject of criticism and negative reviews. According to NAIC, Cigna generates 27% more complaints than other companies.
Some customers express dissatisfaction with Cigna’s customer service, stating that the company’s representatives can be unresponsive or difficult to deal with. Other complaints focus on claim rejections, high premiums, and out-of-pocket costs.
However, in terms of financial ratings, Cigna performs relatively well. It boasts an “A” (Excellent) rating from A.M. Best, a renowned insurance rating and information source. This rating reflects Cigna’s strong balance sheet and ability to meet ongoing insurance obligations.
Nevertheless, it’s notable that customer satisfaction and high financial ratings do not always go hand in hand, as evidenced by Cigna’s situation.
How Do I Enroll in a Cigna Medicare Supplement Plan?
To apply for a Cigna Medigap (Medicare Supplement) plan, follow these steps:
#1. Check Eligibility
You must be enrolled in Medicare Part A and Part B.
The best time to apply is during your Medigap Open Enrollment Period (OEP) (a 6-month window starting the month you turn 65 and enroll in Part B). During this time, you have guaranteed issue rights, meaning you can’t be denied coverage due to health conditions.
If applying outside of OEP, you may need to answer health questions and go through medical underwriting.
#2. Compare Plans and Rates
Cigna offers Medigap Plan G, N, and other standardized plans. Compare premiums, coverage, and any available discounts.
Remember: rates may vary by age, location, and health status (if applying outside of the OEP).
#3. Apply Online, By Phone, or With an Agent
Online: Start the quote process right here on policyguide.com
By Phone: Call one of our licensed agents to apply over the phone.
#4. Complete the Application
Provide personal details, Medicare ID number, and health history (if required).
If replacing an existing Medigap plan, you may need to complete a replacement form.
5. Wait for Approval and Start Coverage
If applying during your OEP, approval is usually automatic.
If underwriting is required, approval may take a few weeks.
Once approved, your coverage starts on the effective date you choose.
Cigna Medigap Benefits: Real Savings and Fewer Headaches
If you enroll in a Cigna Medicare Supplement (Medigap) plan, you are making a long-term financial and healthcare choice that provides predictability, flexibility, and peace of mind.
Here’s how it compares to a Medicare Advantage (MA) plan in real-world scenarios, highlighting cost savings and avoiding future headaches.
Scenario: Frequent Doctor Visits and Specialist Care
Cigna Medigap Plan G
- Monthly Premium: $120 – $180 (varies by state and age)
- Medicare Part B Deductible: $257 (2025)
- Doctor Visits: $0 copay after deductible
- Specialist Visits: $0 copay after deductible
- No Referrals Needed: See any Medicare-approved doctor in the U.S.
Out-of-Pocket Cost in a Year for Frequent Doctor Visits:
If you see a primary doctor 6 times a year and a specialist 4 times, you pay:
- $257 deductible, then $0 per visit
- Total: $257 + monthly premium
Medicare Advantage HMO/PPO
- Monthly Premium: $0 – $50 (some plans)
- Doctor Visit Copay: $10 – $50 per visit
- Specialist Visit Copay: $30 – $75 per visit
- Referral Required (HMO): Yes, usually
- Network Restrictions: Must stay in-network for lower costs
Out-of-Pocket Cost in a Year for Frequent Doctor Visits:
- 6 primary care visits @ $20 each = $120
- 4 specialist visits @ $50 each = $200
- Total: $320 + monthly premium
- If out of network (PPO): Could be double the cost or not covered.
In a nutshell: Cigna Medigap provides predictable costs and no network hassles, and Medicare Advantage may lead to unexpected out-of-network charges and referral requirements.
Scenario: Emergency Room Visit and Hospitalization
Cigna Medigap Plan G
- ER Visit: $0 (covered after deductible)
- Hospital Stay: $0 after deductible, covers Part A coinsurance
- No Pre-Authorizations Required
Real-Life Example:
John, 72, suffers a heart attack while traveling. He goes to an out-of-state hospital and stays for 5 nights. Original Medicare Part A covers the stay, Medigap Plan G covers the $1,667 hospital deductible.John pays $0 for the hospital stay.
Medicare Advantage HMO/PPO
- ER Visit: $90 – $150 copay
- Hospital Stay: $300 – $500 per day (first 5-7 days)
- Pre-Authorization Required: Yes, in many plans
Real-Life Example:
Sarah, 68, has a stroke and needs a 5-day hospital stay.Her MA plan charges $375 per day for 5 days = $1,875 out of pocket.
If her hospital was out-of-network? Could be denied or higher costs.
In a nutshell: Cigna Medigap covers the full hospital stay with no pre-authorization, Medicare Advantage may require approval and can lead to significant out-of-pocket costs.
Scenario: Surgery and Outpatient Care
Cigna Medigap Plan G
- Surgery: $0 after deductible
- Outpatient Tests: $0
- No Network Restrictions: Choose any hospital/surgeon
Real-Life Example:
Mary (70 years old) needs a $30,000 hip replacement. Medicare covers 80%, Cigna Medigap covers 20%, leaving Mary with just a $257 Part B deductible to pay.
Medicare Advantage HMO/PPO
- Surgery Copay: $200 – $1,500+
- Outpatient Coinsurance: 20-40% of procedure cost
- Network Restrictions: Must use plan-approved providers
- Pre-Authorization Required: Yes, often denied/delayed
Real-Life Example:
Jim (73 years old) needs a knee replacement. His Medicare Advantage plan covers 80%, but he’s responsible for 20% of costs, with total out-of-pocket expenses ranging from $3,000 to $7,500 based on his plan.
In a nutshell: Cigna Medigap offers significantly lower surgery costs with no pre-authorization, Medicare Advantage can result in high out-of-pocket costs and potential delays in approval.
Scenario: Long-Term Stability and Plan Changes
Cigna Medigap Plan G
- No Network Restrictions
- No Annual Plan Changes
- Lifetime Renewability (Guaranteed Renewable)
- Predictable Costs
- Plan benefits stay the same every year
Medicare Advantage Plans
- Networks Change Every Year
- Copays & Deductibles Increase Annually
- Drugs & Doctors Can Be Dropped
- Coverage Can Be Reduced
- Must Review Plan & Re-Enroll Annually
In a nutshell: Cigna Medigap ensures stable coverage, and Medicare Advantage plans change yearly, requiring frequent reviews.
Final Verdict: Cigna Medigap = Savings and Peace of Mind
Cigna Medicare Supplement (Plan G) offers predictable costs, the freedom to see any doctor without networks or referrals, no pre-authorizations or denials, and lifetime stability with no plan changes.
It avoids the high deductibles, copays, and coverage restrictions of Medicare Advantage plans, providing financial security and stress-free healthcare.
Bottom Line
Although the policyholder’s negative feedback about Cigna is concerning, it’s worth noting that the company is still a trusted healthcare provider and the fourth largest in the market. Cigna offers popular Medigap plan options and even throws in some extra perks and discounts that can catch your attention.
We suggest considering Cigna if you are in the market for a Medicare Supplement plan, and we’re happy to help give you some personalized guidance on available plans in your area.
Sources: Cigna Medicare Supplement Plans | What’s Covered? | Compare Medigap Policies
FAQs
- What’s the most popular Medigap plan?
- Do Cigna's Medigap plans include prescription drug coverage?
- When can I enroll in a Medigap plan with Cigna?
