Cigna & Medicare Supplement Insurance

Medicare supplement insurance plans — or Medigap plans — provide a range of solutions to help pay some expenses not covered by Medicare parts A and B. Cigna offers five flexible plan options to help cover the costs of deductibles, copays, coinsurance and more. This article breaks down each option.

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.

Are Cigna and Medicare the Same?
They are similar but not the same. Medicare parts A and B don’t cover certain benefits, such as routine vision and dental, prescription drugs or health care while traveling. Cigna’s Medicare Advantage plan — which is available in 477 counties across 26 states and the District of Columbia — does, offering Americans age 65+ alternative insurance options for Medicare parts A and B. Cigna’s Advantage Plan is an option to replace Medicare. But Cigna’s Medicare supplement plans are just that: supplemental. They provide additional coverage to your existing Medicare plan.

Cigna’s Coverage for Medicare Supplement Insurance

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.

Medicare Supplement Plan Qualifications Table
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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.

Cigna Medigap Plan Coverage Table
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Cigna Medicare Supplement Plan A

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

Medigap Plan A Covers:
  • Costs associated with hospital and medical expenses that Medicare doesn’t cover once deductibles are met
  • Up to three pints of blood
  • Copayment and coinsurance for hospice services
Medigap Plan A Does Not Cover:
  • Hospital or medical deductibles
  • Medical excess charges
  • Skilled nursing facility care

Cigna Medicare Supplement Plan F

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.

Medigap Plan F Covers:
  • Hospital and medical deductibles (standard plan only)
  • Coinsurance for hospital, medical and skilled nursing facility care
  • Coinsurance or copay for hospice
  • Up to three pints of blood
  • Medical excess charges
  • 80 percent of foreign travel emergency care up to a lifetime maximum benefit of $50,000
Medigap Plan F Does Not Cover:
  • $250 of foreign travel emergency care per calendar year
  • 20 percent of foreign travel emergency care up to a lifetime maximum benefit of $50,000, plus any amount over it

Cigna Medicare Supplement Plan G

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 G Covers:
  • Hospital deductibles
  • Coinsurance for hospital, medical and skilled nursing facility care
  • Coinsurance or copay for hospice
  • Up to three pints of blood
  • Medical excess charges
  • 80 percent of foreign travel emergency care up to a lifetime maximum benefit of $50,000
Medigap Plan G Does Not Cover:
  • Medical deductibles
  • $250 of foreign travel emergency care per calendar year
  • 20 percent of foreign travel emergency care up to a lifetime maximum benefit of $50,000, plus any amount over it

Cigna Medicare Supplement Plan N

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.

Medigap Plan N Covers:
  • Hospital deductibles
  • Coinsurance for hospital, medical and skilled nursing facility care
  • Coinsurance or copay for hospice
  • Up to three pints of blood
  • 80 percent of foreign travel emergency care up to a lifetime maximum benefit of $50,000
Medigap Plan N Does Not Cover:
  • Hospital and medical copayments (up to $20 for office visits and $50 for emergency room visits)
  • Medical excess charges
  • $250 of foreign travel emergency care per calendar year
  • 20 percent of foreign travel emergency care up to a lifetime maximum benefit of $50,000, plus any amount over it
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Learn how to join, switch, or drop your Medicare Advantage plan before time runs out on March 31, 2022.

Pros and Cons of Supplemental Medicare Coverage from Cigna

Pros
  • Available for American residents of 48 states plus Washington, D.C.
  • Helps pay for hospital and outpatient deductibles, copays and coinsurance
  • Can be used nationwide, allowing you to see any doctor that accepts Medicare without a referral
  • You cannot be dropped for a plan for developing a health condition
  • Provides coverage while traveling in the U.S. and for medical emergencies abroad (with some plans)
  • Offers flexible plan options, depending on your needs
  • Includes discounts on health and wellness programs and services
  • 24/7 access to telehealth
Cons
  • Not available for residents of Massachusetts, New York or Puerto Rico
  • Has monthly premiums
  • Can be more expensive than other insurance companies
  • Does not cover prescription drugs, though Part D plans can be purchased separately
  • Does not cover routine dental, hearing or vision checkups
  • Offers only five of the possible 10 Medigap plans
  • Average quality ratings are fairly high, but only one plan earned a perfect score
Do Cigna Supplement Insurance Plans Cover Dental, Vision and Hearing?
No. Cigna’s Medicare Advantage plan does cover these, but their supplemental insurance plans do not. However, individual plans can be purchased separately through Cigna.

What Is the Average Cost of Medicare Supplement Insurance Plans from Cigna?

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 2021 prices:

Sample of Medigap Plan Costs from Cigna
Baltimore, MDAtlanta, GAMonterey, CANew Orleans, LA
Plan A$108 - $2,953$101 - $3,835$80 - $608$77 - $1,244
Plan F$136 - $1,063$141 - $4,388$134 - $949$126 - $1,293
Plan F (high deductible)$30 - $355$42 - $2,206$30 - $156$31 - $647
Plan G$115 - $982$113 - $3,065$106 - $960$117 - $1,134
Plan N$89 - $739$90 - $2,927$89 - $663$83 - $807
Last Modified: December 15, 2021

13 Cited Research Articles

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  11. eHealth Medicare. (n.d.) Medicare Advantage vs. Medicare Supplement Insurance Plans. Retrieved from https://www.ehealthinsurance.com/medicare/supplement-all/medicare-advantage-vs-medicare-supplement-plans
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