Cigna Medicare Supplement Reviews and Ratings
cigna Medicare
Cigna is a health insurance company that offers Medicare Supplement shoppers a variety of Medigap plans. They sell Medicare supplement plans from their subsidiaries- Loyal American Life Insurance Company and American Retirement Life Insurance Company. REMEDIGAP is a licensed insurance broker and national producer appointed with many of the best carriers including Cigna Medicare Supplements. Cigna offers competitive rates and exceptional customer service. Let’s look more closely at Cigna Medicare Supplement plans.
About Cigna
In 1982, Cigna became the insurance company you know today. However, their roots can be traced back over 200 years ago! They’re a global health insurance company with millions of worldwide customers.
cigna insurance rating
Cigna is committed in maintaining outstanding financial strength. Cigna and their subsidiaries currently have excellent financial ratings from the major rating agencies:
Cigna Details
| DETAILS | RESULTS |
|---|---|
| A.M. Best Rating: | A+ |
| Standard & Poor’s: | A+ |
| Moody’s: | A1 |
| Fitch: | A+ |
| Better Business Bureau: | A+ |
| Phone: | 1-800-997-1654 |
| Address: | 900 Cottage Grove Road Bloomfield, CT 06002 |
| Website: | https://www.cigna.com |
Cigna medicare supplement reviews
Cigna is one of the top Medicare Supplement companies. A Cigna Medicare Supplement policy offers you the following:
- Guaranteed renewable health insurance coverage
- National coverage: go to any hospital, see any doctor or specialist that accepts Medicare
- Initial 12-month rate is locked in
- 30-day “free look period”
- Majority of supplement plans have some foreign travel coverage
What are the advantages with buying a Cigna Medigap plans?
- Household discount are available in some states
- Fast no-hassle e-application
- Policies issued quickly
- Excellent customer service and claims support
Cigna Medicare Supplement Plans
Cigna’s Medicare Supplement plans are becoming more and more popular with shoppers. Anyone seeking excellent insurance benefits that fill in the gaps in coverage should consider Cigna.
Cigna offers several Medigap plans. These individual supplemental plans include the most popular plans like Plan G, Plan N and Plan F.
REMEDIGAP will gladly quote these Medigap plans for you. You’ll be able to see how their rates compare with some of the other Medigap companies. From big-name carriers like Mutual of Omaha to others you may not have heard of like Western United Life.
As of January 1, 2020, Plans C, F and High Deductible F cannot be sold to those newly eligible for Medicare. Newly eligible is defined as anyone who: (a) attains age 65 on or after January 1, 2020
Medicare
Let’s look into the 3 most popular Cigna Medicare Supplement plans:
Cigna Medicare Supplement Plan F
Cigna Medicare Supplement Plan F is usually the most popular because it provides you the most complete coverage when comparing all of the Medigap supplement plans. With Cigna Plan F, you’ll usually will not have any out of pocket spending towards your Part A or Part B services.
Cigna Medicare Supplement Plan G
Medicare Supplement Plan G is the 2nd most popular plan. Cigna Plan G provides all the coverage benefits of Medigap Plan F with the exception of your Part B deductible. Plan G is great for people who want to save money by simply paying the Part B deductible on their own.
Cigna Medicare Supplement Plan N
Medicare Supplement Plan N is the 3rd most popular Medigap plan. Plan N has become very popular. It helps with all of your coverage gaps except for the Part B deductible, your Excess charges and some copayments when visiting your doctor and emergency rooms.
What Do Cigna Medicare Supplement Plans Cover?
All Medicare supplement policies are standardized. This simply means that you get the same benefits as someone else who has the same plan letter. To make sure you understand the benefits associated with each plan, we’ve include what services Medicare pays for and what you’re responsible for.
Medicare Supplement Plan F Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled nursing facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited Copayment / Coinsurance for outpatient drugs and inpatient Respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $233 (Part B Deductible) | $0 |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess charge | $0 | 100% | $0 |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $203 (Plan B Deductible) | $0 |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 each calendar year | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan G Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $0 | $233 (Part B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Part B Excess Charge | $0 | 100% | $0 |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $0 | $233 (Plan B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 during 1st 60 days | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan N Benefits
Part A | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Hospitalization | |||
| First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
| 61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
| 91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
| After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
| Beyond the Additional 365 Days | $0 | $0 | All Costs |
| Skilled Nursing Facility Care | |||
| First 20 Days | All Approved Amounts | $0 | $0 |
| 21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
| 101st Day and After | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Additional Amounts | 100% | $0 | $0 |
| Hospice Care | |||
| You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
| Services | Medicare Pays | This Plan Pays | You Pay |
|---|---|---|---|
| Medical Expenses | |||
| 1st $198 of Approved Amounts | $0 | $0 | $233 (Part B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Balance, Other than Copays | Up to $20/$50 Copays, Emergency visit copay waived if admitted |
| Part B Excess Charge | $0 | $0 | All Costs |
| Blood | |||
| First Three Pints | $0 | 100% | $0 |
| Next $198 of Approved Amounts | $0 | $0 | $203 (Plan B Deductible) |
| Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
| Clinical Laboratory Services | |||
| Tests for Diagnostic Services | 100% | $0 | $0 |
| Foreign Travel | |||
| 1st $250 each calendar year | $0 | $0 | $250 |
| Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
How Much Do Cigna Medicare Supplement Plans Cost?
Cigna’s rates are very competitive. The cost of your Medicare Supplement will vary depending on the plan you select and other factors. The biggest factors are your age, gender, location and if you use tobacco. Get the most current Medigap rates by using our Medigap quoter and find out if Cigna provides you the best value.
Cigna Medicare Plans with REMEDIGAP
If you’re on Medicare, you have a couple of enrollment options. You can sign up directly for your Cigna Medicare Supplement plan with the carrier. Your other option is to use a broker like REMEDIGAP. It’s free, but there are many other advantages:
- Peace of mind that you’re getting the best deal available.
- Compare rates with multiple companies.
- Find out if there are any discounts that you qualify for.
- We review our clients rates annually to make sure you’re not overpaying on your plan.
- Part D help and annual reviews for all of our clients to make sure you’re not overpaying on your drug plan.
Recommendations
REMEDIGAP recommends Cigna for Medicare supplement coverage. They are a top insurance carrier that offers competitively priced Medigap plans.
What Now?
To make sure you’re getting the best Medigap plan options for Cigna Medicare supplements or any of the other insurers, contact us now.
- Compare Rates – We’ll provide free quotes and help you compare current rates for popular Medigap plans from the best Medicare Supplement companies.
- Call call us at (800) 411-1329 or get online quotes here.
- Questions? – Do you have some general questions about Cigna or Medicare? Call us at (800) 411-1329.
- Learn – Make sure to subscribe to our free Medicare e-Course. Get easy to understand daily email lessons. Sign up here
Written by Michael Quinn
Licensed Broker, REMEDIGAP Founder
Fact Checked by Joann Quinn
Chief Compliance Officer
As a licensed insurance broker, REMEDIGAP upholds the principles of integrity in our editorial standards and ensures transparency in how we receive compensation from our insurance partners.