HealthSpring (Formerly Cigna) Medicare Supplement Review
Most HealthSpring (Cigna) Medigap plans have cheap rates. But you might not be happy with the company's poor service.
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Editor's Rating
HealthSpring (formerly Cigna) Medigap plans aren't usually the best choice. The biggest problem is the company's low customer satisfaction. The low rates might not make up for the issues you have with using your coverage and getting your medical bills paid.
Cigna sold its Medicare business, including Medicare Supplement plans, to a Blue Cross Blue Shield company called Health Care Services Corp. (HCSC). Starting in 2026, you'll see Cigna's branding begin to change to HealthSpring.
Pros and cons of HealthSpring (Cigna) Medigap plans
Pros
Usually has cheap rates
Available in 48 states and D.C.
Cons
Bad customer service
Fewer perks than competitors
Alternatives to HealthSpring (Cigna) Medicare Supplement
On this page
HealthSpring (Cigna) Medicare Supplement cost
HealthSpring Medicare Supplement plans are usually cheap for the most popular plan letters.
The company has cheap rates for Plan G, Plan F and Plan N, the three most popular plans.
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Average monthly cost of HealthSpring (formerly Cigna) Medigap plans
Medigap plan | HealthSpring / Cigna rate | National average | $ diff. |
|---|---|---|---|
| Plan G | $166 | $180 | -$14 |
| Plan F | $215 | $227 | -$12 |
| Plan N | $120 | $137 | -$17 |
| Less popular plans | |||
| Plan A | $173 | $168 | $5 |
Average monthly rates are for a 65-year-old woman who does not smoke.
But your rate depends on where you live. In most states where it sells Plan G, HealthSpring (Cigna) is a cheap choice. Just keep in mind, the company doesn't have good customer service.
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Plan G isn't available at all in Minnesota and Wisconsin because these states have plans that are different from the rest of the country. However, HealthSpring/Cigna does sell plans in these states. HealthSpring doesn't sell any Medigap plans in New York or Massachusetts.
Average cost of HealthSpring (Cigna) Plan G by state
State | Cigna rate | National rate | $ diff. |
|---|---|---|---|
| Alabama | $149 | $162 | -$13 |
| Alaska | $203 | $170 | $33 |
| Arizona | $148 | $185 | -$37 |
| Arkansas | $163 | $189 | -$26 |
| California | $175 | $202 | -$27 |
Average monthly Plan G rates are for a 65-year-old woman who does not smoke.
HealthSpring (previously Cigna) Medicare Supplement plan options
HealthSpring sells most Medigap plan letters, including F, G and N, which are the most popular plans.
You can't get Medigap Plans K, L or M from HealthSpring (Cigna).
HealthSpring (Cigna) Medigap plan letters
- Plan A
- Plan B
- Plan C
- Plan D
- Plan F
- Plan G
- Plan N
- High-deductible Plan F
- High-deductible Plan G
Which Cigna plans you can buy depend on where you live. For example, Cigna only sells Plan B in Pennsylvania and Plans C and D in New Jersey. But Plan G is offered in nearly every state. And in Minnesota and Wisconsin, Cigna offers standard policies that follow state-specific Medigap requirements.
Medicare Supplement plans have a standard set of benefits. That means your coverage will be the same no matter where you buy your policy. The main difference between Medigap insurance companies is usually the price for each plan and any added benefits the company offers.
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Top picks
Other plans
Plan G | Plan F | Plan N | |
|---|---|---|---|
| Average monthly cost | $227 | $180 | $137 |
| Part A coinsurance | |||
| Part B coinsurance | |||
| Blood transfer (3 pints) | |||
| Part A hospice care | |||
| Skilled nursing facility | |||
| Part A deductible | |||
| Part B deductible | |||
| Part B excess charges |
Average costs are for a 65-year-old woman who doesn't smoke. Rates vary by location, age, gender and other factors.
Top picks
Plan G | Plan F | Plan N | |
|---|---|---|---|
| Average monthly cost | $227 | $180 | $137 |
| Part A coinsurance | |||
| Part B coinsurance | |||
| Blood transfer (3 pints) | |||
| Part A hospice care | |||
| Skilled nursing facility | |||
| Part A deductible | |||
| Part B deductible | |||
| Part B excess charges |
Average costs are for a 65-year-old woman who doesn't smoke. Rates vary by location, age, gender and other factors.
Other plans
Plan A | Plan B | Plan C | Plan D | Plan K | Plan L | Plan M | |
|---|---|---|---|---|---|---|---|
| Average monthly cost | $168 | $205 | $243 | $198 | $87 | $134 | $154 |
| Part A coinsurance | |||||||
| Part B coinsurance | 50% | 75% | |||||
| Blood (3 pints) | 50% | 75% | |||||
| Part A hospice care | 50% | 75% | |||||
| Skilled nursing facility | 50% | 75% | |||||
| Part A deductible | 50% | 75% | 50% | ||||
| Part B deductible | |||||||
| Part B excess charges | |||||||
| Foreign travel emergency | 80% | 80% | 80% |
Average costs are for a 65-year-old woman who doesn't smoke. Rates vary by location, age, gender and other factors.
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HealthSpring (formerly Cigna) Medigap availability
You can buy HealthSpring/Cigna Medicare Supplement plans in 48 states and Washington, D.C.
But the specific options that are available to you depend on where you live.
- Available nearly everywhere: Plans A, F, G and N are available everywhere except New York, Massachusetts, Minnesota and Wisconsin.
- Available only in NJ: Plans C and D from HealthSpring (Cigna) are only available in New Jersey.
- Available only in PA: HealthSpring/Cigna only sells Plan B in Pennsylvania.
You can get the high-deductible version of Plan F from HealthSpring in five states:
- Idaho
- Oregon
- Rhode Island
- Vermont
- Washington
You can buy HealthSpring/Cigna's high-deductible Plan G in 31 states:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Jersey
- New Mexico
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- Tennessee
- Texas
- Virginia
- Wyoming
HealthSpring/Cigna doesn't sell Medigap plans in Massachusetts or New York.
Minnesota and Wisconsin have different Medicare Supplement plans than the rest of the country.
In Minnesota, HealthSpring (Cigna) sells the Basic, Extended Basic and High Deductible plans. You can get more coverage by buying add-ons, like coverage for preventive health care.
In Wisconsin, Cigna sells the base plan. But you can add some coverage to your plan to customize it. If you travel often, you can add coverage in other countries, for example.
Can you get HealthSpring (Cigna) Medigap if you're under 65?
HealthSpring/Cigna offers Medigap to people under 65 but on Medicare because of disability in 26 states.
- California
- Colorado
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maine
- Minnesota
- Mississippi
- Missouri
- Montana
- Nevada
- New Hampshire
- Oregon
- Pennsylvania
- South Dakota
- Tennessee
- Texas
- Vermont
- Wisconsin
Insurance companies aren't required to let you buy a Medicare Supplement plan if you're under 65. That is true even if you're on Medicare due to kidney failure, Lou Gehrig's disease or a disability.
Can you get HealthSpring (Cigna) Medigap if you have health issues?
If you have a health issue before you buy your HealthSpring/Cigna Medigap plan, you may have limited coverage for a period of time. This is called a "preexisting conditions clause."
HealthSpring Medicare Supplement plans usually have a preexisting conditions clause.
Typically, preexisting conditions are only excluded from coverage for six months. This means that if you have a health problem before you buy your Medigap policy, HealthSpring won't pay for costs associated with that condition for the first six months of your policy.
However, you won't have to worry about the preexisting conditions clause if you buy a Medigap policy when you're first eligible. At that time, policies are called "guaranteed issue," and HealthSpring's preexisting conditions clause doesn't apply.
If you get a plan when you are first eligible, your health status won't affect your rates, so you'll pay less. You can buy a Medigap policy on the first of the month when your Medicare Part B is active. After that, you have six months to buy a plan without having your medical history used in your rates.
Member resources and unique benefits
HealthSpring/Cigna Medigap plans have a few perks, but other companies offer more.
- Health Information Line: If you have questions about your health, HealthSpring's health line can be reached 24 hours per day, seven days per week. The health line representatives hold a nursing license in at least one state but are not practicing nurses.
- Healthy Rewards program: With this, you might qualify for discounts on health products.
You might also be able to lower your Cigna Medicare Supplement rate with discounts. Applying for a policy online can get you up to a 5% discount, and up to an extra 20% may be discounted from your rate depending on the state you live in.
Reviews and customer complaints
HealthSpring/Cigna has poor customer service reviews for its Medicare Supplement policies.
Overall, HealthSpring has more than five times the number of complaints about its Medigap plans than expected for a company its size.
But customer satisfaction largely depends on what company your plan comes from within HealthSpring (formerly Cigna). For example, some HealthSpring Medicare Supplement plans come from the Loyal American Life Insurance Co. Those plans get about a third fewer complaints than expected.
HealthSpring (Cigna) members have reported concerns with customer service to the Better Business Bureau too, although these complaints aren't always specific to Medigap plans. Some issues include long hold times and difficulty getting claims approved or paid. While the issues might not all be for Medigap plans, they can give you an idea of the company's overall service.
Frequently asked questions
Are HealthSpring and Cigna the same?
HealthSpring is the new name for Cigna's Medicare business, which was sold to a Blue Cross Blue Shield company called Health Care Services Corp. (HCSC). HealthSpring sells Medicare Advantage, Medicare Supplement and Medicare Part D plans. Cigna continues to sell traditional health insurance plans as well as dental and other supplemental insurance policies.
Is HealthSpring/Cigna good Medicare Supplement insurance?
HealthSpring (previously Cigna) probably isn't the best choice for Medigap plans. The company has cheap rates, but its customers report issues with service. Cigna's Medigap policies have the same coverage as those from other companies because coverage is the same across the industry. That means you can probably find a Medigap plan with the same coverage and better service from another company.
How much is HealthSpring/Cigna Medicare Supplement insurance?
Cigna Medigap plans cost between $58 and $215 per month, depending on the plan you buy. Plan F costs $215 per month, Plan G costs $166 per month and Plan N costs $120 per month. These are the most popular Medigap plans.
Methodology and sources
Medicare Supplement costs for 2026 come from actuarial data for private insurance companies. Average rates are for a 65-year-old woman who doesn't smoke and who signed up during her initial enrollment, when health issues weren't taken into consideration for pricing.
HealthSpring's Medicare Supplement products are underwritten by American Retirement Life Insurance Co., HealthSpring Insurance Co., HealthSpring National Health Insurance Co., Loyal American Life Insurance Co. and Medco Containment Life Insurance Co.
Other sources include the Better Business Bureau, Cigna, Medicare.gov and the National Association of Insurance Commissioners.
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
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- CBS
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- BA, Theatre, Purdue University
- BA, English, Indiana University
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