Cigna Medicare Supplement (Medigap) Insurance Plans (2024)

Medicare Advantage and Medicare Part D Policy Disclaimers

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.

To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (), 24 hours a day, 365 days a year, TTY . Please include the agent/broker name if possible.

Medicare Supplement Policy Disclaimers

Medicare Supplement website content not approved for use in: Oregon.

AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.

Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you.Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.

The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.

This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.

In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.

Kansas Disclosures, Exclusions and Limitations

Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS

Exclusions and Limitations:

The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:

(1) the Medicare Part B Deductible;

(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;

(3) any services that are not medically necessary as determined by Medicare;

(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;

(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;

(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or

(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website.

Y0036_24_1037312_M | Page last updated 03/28/2024

Cigna Medicare Supplement (Medigap) Insurance Plans (2024)

FAQs

Is Cigna a good Medicare Supplement provider? ›

Cigna Medicare Supplement Insurance is available in 48 states and Washington, D.C. The company has competitive premiums and several options for premium discounts, but it offers only a few Medigap plan types and includes few extra perks, and its complaint rates are higher than average.

What is the downside to Medigap plans? ›

The downside of high-deductible Plan G can, of course, be your upfront cost before you receive help with out-of-pocket expenses. Assuming you have this high-deductible Medigap plan and receive a Medicare Part B-covered service, you'll be responsible for the Part B deductible, which is $240 in 2024.

What Medigap plan is most popular? ›

Medicare Supplement plans F, G and N are the most popular Medigap plans with the highest rates of enrollment nationwide. Which one is best depends on the beneficiary and their specific health care needs.

Is Cigna selling Medigap business? ›

The Cigna Group will sell its Medicare business to another insurer, Health Care Service Corp., for about $3.7 billion. Cigna said Wednesday the deal includes its Medicare Advantage insurance, a supplemental benefits business and Medicare prescription drug coverage.

Which is better Cigna or Humana? ›

Humana: The Verdict. Cigna has earned stronger financial ratings and Medicare Star Ratings than Humana. Humana, however, offers Medicare Advantage plans in more parts of the country than Cigna. The most important difference between these carriers will be the benefits and prices offered in your specific area.

What is the best Medigap plan for 2024? ›

"NerdWallet's top picks for Medigap Plan G in 2024 include AARP/UnitedHealthcare, Mutual of Omaha, Anthem and Blue Cross Blue Shield. Those companies stood out from a field of 15 after we analyzed factors including premiums, discounts, complaint rates, extra perks, online quote availability and more."

What is the best supplemental insurance for Medicare for seniors? ›

"Based on NerdWallet's 2024 Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2024: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield.

How much should a Medigap plan cost? ›

The Average Cost of Medigap Plan F by State
StateMonthly Cost
California$222.84
Colorado$209.36
ConnecticutN/A
Delaware$210.70
46 more rows
Aug 13, 2024

What plan G does not cover? ›

Plan G doesn't cover dental, vision, hearing exams or services, or prescription drug services. Medicare Advantage plans may include these benefits on top of health insurance, but Medigap plans do not. You could buy a Part D plan to cover your prescriptions along with Medigap Plan G.

Is Cigna leaving Medicare? ›

The Cigna Group announced an agreement to sell our Medicare Advantage, Cigna Supplemental Benefits, and Medicare Part D businesses to Health Care Service Corporation (HCSC). With this announcement, there are no changes to your coverage, benefits, or costs. You do not need to take any action.

What is the difference between Blue Cross Blue Shield and Cigna? ›

Cigna Medicare Advantage members have access to a $0-premium plan in every Cigna market, and most of Cigna's members are in highly rated plans. Blue Cross Blue Shield is a collective of 33 different companies, and many are geographically specific, offering benefits targeted to local members.

Who bought out Cigna Medicare? ›

Cigna will sell off its Medicare business to Health Care Service Corporation in a deal valued at $3.7 billion, the company announced Wednesday. HCSC will acquire Cigna's Medicare Advantage, Part D, supplemental benefits and CareAllies businesses, and the parties expect the deal to close in the first quarter of 2025.

What are the best Medicare Supplement companies? ›

💬 From our Nerds: What are the top five Medicare supplement plans? "Based on NerdWallet's 2024 Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2024: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield.

Is Cigna Medicare Advantage good? ›

Cigna offers low-cost Medicare Advantage plans with about-average member experience scores and below-average star ratings.

Is Cigna a reputable insurance company? ›

Is Cigna good insurance? Cigna is a good insurance company, but it isn't usually the best option for most people. Even in the states where its rates are cheaper than the state average, Cigna usually isn't the cheapest health insurance. And its customer satisfaction is typically lower than average.

What is Cigna Medicare Supplement called? ›

Medicare Supplement (Medigap) Insurance Policies. Plans that help pay some out-of-pocket costs that Original Medicare doesn't.

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