Cigna Medicare Supplement Plans

Cigna offers a long list of products such as health, life, accident, disability, and Medicare Supplement Plans.

Insurance companies that offer a wide variety of insurance products are typically healthy and stable companies, Cigna is no exception. They insure over 70 million people around the world.

Cigna offers plan options in many states. Sometimes they sell their Medigap policies under subsidiary names like Loyal American Life Insurance Company, American Retirement Life Insurance Company.

Cigna Medicare Supplement Plans

Cigna Medicare Supplements provide the same coverage as other carriers. Differences between companies are underwriting guidelines, rate increase histories, and costs.

Medicare is the primary insurance and the Supplement is secondary. If Medicare covers a service, then your Cigna Medigap policy will cover their share of the service provided. Medicare pays the claims first and then the remainder would be sent to Cigna.

If you stay enrolled in Medicare and pay your premiums, then your policy stays in force. Regardless of your health conditions. Cigna offers several of the standardized Medigap options.

A supplement could cover your deductibles and coinsurances. Of course, it depends on the Medigap plan.

Let’s explore some of the reasons other people choose Cigna.

Cigna Medicare Supplement Reviews

Choosing a carrier is more than picking the lowest price. Our clients that choose Cigna Medicare Supplement Plans give us positive feedback. It’s likely that Cigna Medicare Supplements will continue to be a top seller.

A.M. Best rates Cigna an A, which means that the company is excellent. The BBB also gives Cigna an A+ rating.

In most areas, Cigna is comparable to other top companies with underwriting guidelines, although, they may be a bit strict. However, the tighter guidelines help them keep rate increases lower for existing clients.

Now, let’s take a closer look at the Cigna rate increases.

Cigna Medicare Rate Increases

Rate increase vary from state to state, finding the best company is just as important as finding the best plan. Cigna rate increases were an average of 7%.

It’s important to keep in mind that rate increases vary by plan and state. The best way to keep your costs low is with the help of an agent, just like the ones on our team.

Cigna Medicare Supplement Eligibility & Enrollment

You’re eligible for Cigna Medicare Supplements as long as your Part B is in effect. Unlike Medicare, you can enroll in Supplements at any time.

To avoid underwriting, you need to enroll during your Medicare Supplement Open Enrollment Period.

Cigna allows beneficiaries to pre-enroll in a policy 90 days prior to the effective date.

Cigna Medicare Supplement Plan Premiums

All Cigna Medicare Supplement Plan premiums vary in each state. They can also use different pricing methods in each state to determine your premium.

Other factors that impact your premium is your age, location, gender, habits like smoking, etc. That’s why no agent or broker can give you an accurate quote without some personal information.

For example, a male residing in California that’s 72 years pays an average premium of $261 for Plan F and $203 for Plan G.

But, a female beneficiary that’s 66 residing in Texas could pay an average premium of $131 for Plan F and $101 for Plan G.

As you can see, it’s important to have an agent by your side that can compare all the available plans and carriers.

Cigna Medicare Advantage Plans

Cigna has Medicare Advantage Plans that include drug coverage, as well as plans that don’t cover drugs. Advantage Plans use networks of doctors and hospitals. It’s important to make sure your primary physician is in their network before enrolling.

That’s one of the main reasons new beneficiaries choose to enroll in a Cigna Supplement Plan vs an Advantage Plan.

Cigna Open Access Medicare

With Cigna Open Access Plus and Cigna Open Access Plus in-network plans, you can keep your primary care provider.

Cigna Part D Prescription Drug Plans

Cigna Part D plans to contract with about 64,000 network pharmacies throughout the country, including major retail pharmacies, grocery chains, and local independent pharmacies. With a network this large, you get access to pharmacies in your area.

There are Part D plans that offer a discount when you order a 90-day supply through Cigna’s preferred network mail-order pharmacy. Discounts will vary by plan.

They even have delivery options for your medications, and you get lower cost-shares. So, you save money on your medicine and on your fuel.


Does Cigna offer a good Medicare Supplement?
Many clients are very happy to have Cigna as their insurance provider. When Medicare approves the claim, the supplement approves. Plus, you can go to any doctor that accepts Medicare in the United States. And, you’ll have emergency foreign travel coverage.
Does Cigna Plan G cover Silver Sneakers?
Supplement plans don’t usually include Silver Sneakers, Medicare Advantage plans can. In fact, some Cigna Medicare Advantage plans include Silver & fit or another gym membership programs. Now, there are some companies that can provide you with Medigap as well as services through Active and Fit.
Does Cigna Medicare Supplement cover dental?
Dental coverage is best when you buy a separate policy. See, you want comprehensive dental before you need that coverage. So, it’s best to buy a policy that’s going to cover you when you need those services.

How to Enroll in a Cigna Medicare Plan Today

When you talk to one of our experts, they check the rate increase trends in your area. Also, our agents are familiar with the underwriting process. So, instead of being denied coverage or wasting your time trying to figure out who will approve your policy, call us.

You can call us and we'll tell you the quote for top carriers in your area.

To speak directly to a licensed agent in your area, please call the phone number above. Or, fill out an online rate form and see how much a Cigna Medigap plan in your area costs!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

4 thoughts on “Cigna Medicare Supplement Plans

      1. I Have Cigan supplement and my husband and I deceided to get Cigna prescripotion plan..Now we were paying $24,00 each which was a good deal considering I was on only on Atoravastatin. My husband had many prescriptions.. Now our premium went to $44.00 which is too much since my husband passed away July 19, 2021 Now I have less income coming in and can not really afford 44..00 a month. why can’t it stay at $24 dollars.

      2. Maureen, I am very sorry to hear about your husband’s passing. Part D plan premiums change annually, however there are options available to help offset the costs. You can apply for Extra Help through Medicare for financial assistance with Part D premiums. However, keep in mind that you can review your drug plan each year during the Annual Enrollment Period to make changes if necessary.


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