Cigna & Medicare Supplement Insurance

Medicare covers many health care-related costs, but it doesn’t cover everything. Users still are responsible for copayments, coinsurance and deductibles, which can easily add up.

That’s where Medicare supplement insurance plans — also known as Medigap plans — come in. Sold separately from Medicare plans, they are a great option to help you cover out-of-pocket costs as well as costs resulting from hospice, skilled nursing facilities, and travel both domestic and international. Medigap plans are offered by several insurance companies, including AARP, Aetna, Anthem, Cigna, Humana, Mutual of Omaha and UnitedHealth Group.

Each insurance company has pros and cons worth considering, and here we provide information for you to determine if Cigna’s Medicare supplement insurance plan is right for you.

As one of the oldest insurance providers in the nation and serving more than 180 million people around the world, Cigna offers Medicare supplement plans in 48 states and the District of Columbia.

Cigna offers five Medigap plan options — all covering various costs you would typically be responsible for under Medicare and providing additional benefits, including access to a 24/7 health information line and the freedom to travel without worrying about coverage. The services covered, however, will depend on the plan you choose.

This plan is for people who are only looking for a little extra protection, as Medigap plan A provides the lowest level of coverage.

You only qualify for both these options — standard and high-deductible — if you were eligible for Medicare before January 1, 2020, meaning you turned 65 before that date. If you do not meet this criteria, please consider Plan G.

Medigap plan F is for individuals who meet that qualification and are seeking the highest coverage, as both versions of the plan offer the lowest out-of-pocket costs for Medicare-covered services. The primary difference is that the standard option pays your calendar year deductible, while the high-deductible option only kicks in once that has been met.

This plan is ideal for individuals who want more coverage, a lower premium and are able to pay their annual medical (Part B) deductible. It is essentially the same as Plan F, except you must pay your annual medical deductible before Plan G will cover Part B costs, and it is available for individuals eligible for Medicare after January 1, 2020.

Medigap plan N is a good option for individuals who want a lower monthly premium and are OK paying some out-of-pocket costs, including medical and hospital copayments and excess medical charges.

How much you pay depends on the plan you select and where you live. The range of costs can vary significantly depending on your location and from year to year. The following table from Healthline provides a sample of price ranges based on 2022 prices: