All About Cigna’s Medicare Supplement Plans
Who is Cigna?
Since 1982, Cigna is a managed healthcare and insurance company based in Bloomfield, Connecticut, that offers a variety of medical, dental, behavioral, disability, business travel, and life insurance products. Today, the company has a presence in 30 countries, employs more than 35,000 individuals, and has $53+ billion in assets.
Cigna Medicare Supplement Coverage and Rates
Cigna’s Medicare supplement plans allow you to choose any doctor that accepts Medicare without referrals in most instances. They’re also renewable for life (unless your plan cancels for nonpayment or material misrepresentation) and feature several no-cost programs and services like Cigna Healthy Rewards and Health Information Line.
Related: What is Medicare Supplement (Medigap) Insurance?
Let’s take a closer look at what each plan offers.
Plan G
Plan G provides many of the same coverages as Plan F, although you’ll be responsible for paying your Part B (Medical) annual deductible before the plan’s coverage takes effect.
However, Plan G also comes with a lower premium, so it might be a viable option if you want to pay less in exchange for paying the Part B deductible out of pocket.
| Cigna Medicare Supplement Plan G | |
| Part A deductible | Yes |
| Part A coinsurance and coverage for hospital benefits | Yes |
| Skilled nursing facility care coinsurance | Yes |
| Hospice care coinsurance or copayment | Yes |
| Blood (first three pints) | Yes |
| Part B deductible | No |
| Part B coinsurance or copayment | Yes |
| Part B excess charges | Yes |
| Foreign travel emergency (up to policy limits) | Yes |
| Monthly premium** | $203.20 |
Plan N
In exchange for a lower monthly premium, Plan N requires you to pay a $20 copay for some office visits and a $50 copayment for emergency room visits. You’ll also be responsible for Part B excess charges.
| Cigna Medicare Supplement Plan N | |
| Part A deductible | Yes |
| Part A coinsurance and coverage for hospital benefits | Yes |
| Skilled nursing facility care coinsurance | Yes |
| Hospice care coinsurance or copayment | Yes |
| Blood (first three pints) | Yes |
| Part B deductible | No |
| Part B coinsurance or copayment | Yes, less a $20 copay for some office visits and a $50 copayment for emergency room visits |
| Part B excess charges | No |
| Foreign travel emergency (up to policy limits) | Yes |
| Monthly premium** | $149.08 |
Plan A
Plan A provides the lowest level of coverage on this list. Therefore, it might be a good option if you feel you already have enough coverage under Original Medicare Parts A and B but want some extra protection.
| Cigna Medicare Supplement Plan A | |
| Part A deductible | No |
| Part A coinsurance and coverage for hospital benefits | Yes |
| Skilled nursing facility care coinsurance | No |
| Hospice care coinsurance or copayment | Yes |
| Blood (first three pints) | Yes |
| Part B deductible | No |
| Part B coinsurance or copayment | Yes, less a $20 copay for some office visits and a $50 copayment for emergency room visits |
| Part B excess charges | No |
| Foreign travel emergency (up to policy limits) | No |
| Monthly premium** | $191.38 |
Plan F
If you were eligible for Medicare before 2020, Plan F provides the highest level of coverage while avoiding out-of-pocket expenses for Medicare-covered services. Compared to others, the plan also covers your Part B deductible.
Related: Medicare Supplement Plan F Versus G Explained
| Cigna Medicare Supplement Plan F | |
| Part A deductible | Yes |
| Part A coinsurance and coverage for hospital benefits | Yes |
| Skilled nursing facility care coinsurance | Yes |
| Hospice care coinsurance or copayment | Yes |
| Blood (first three pints) | Yes |
| Part B deductible | Yes |
| Part B coinsurance or copayment | Yes |
| Part B excess charges | Yes |
| Foreign travel emergency (up to policy limits) | Yes |
| Monthly premium** | $268.78 |
High-Deductible Plan F
The high-deductible Plan F provides all of the same coverages as the standard version. However, coverage doesn’t kick in until you’ve paid your Part A and B deductibles, making the plan ideal for someone who has fewer annual health expenses.
| Cigna Medicare Supplement Plan F (High-Deductible) | |
| Part A deductible | Yes |
| Part A coinsurance and coverage for hospital benefits | Yes |
| Skilled nursing facility care coinsurance | Yes |
| Hospice care coinsurance or copayment | Yes |
| Blood (first three pints) | Yes |
| Part B deductible | Yes |
| Part B coinsurance or copayment | Yes |
| Part B excess charges | Yes |
| Foreign travel emergency (up to policy limits) | Yes |
| Monthly premium** | $55.28 |
Do You Have Questions About Cigna Medicare Supplements?
With five different options available, you might have questions about the Medicare supplement plans available through Cigna. The friendly staff at IHS Insurance Group is standing by with our decades of combined experience to answer your coverage and premium-related questions!
Need a FREE Quote or have questions regarding Medicare or Medigap Coverage? We have three convenient ways to reach us:
- If you prefer to talk to a licensed agent directly, please call (866) 480-5063
- If you prefer to fill out a quick form and have an agent get back to you at your convenience, use the GET A FREE QUOTE tool.
- Lastly, for those that want an immediate quote, please click HERE.
Also, check out our Medicare FAQs here.
**We used zip code 77377, an effective date of 10/1/21, and based our rates on a 70-year male non-smoker.
