Health Insurance

Cigna Medicare Supplement Review: Limited Options with Overall Higher Rates

Cigna Medicare Supplement Review: Limited Options with Overall Higher Rates

Editor's Rating

Cigna offers a limited number of Medigap plans in 48 states with overall higher rates than competitors.

Good for

  • Offers the three most popular Medigap plans: F, G and N
  • Available in 48 states

Bad for

  • Poor customer experience
  • Fewer plan offerings than some competitors
  • Higher-than-average rates
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Editor's Rating

Cigna offers a limited number of Medigap plans in 48 states with overall higher rates than competitors.

Good for

  • Offers the three most popular Medigap plans: F, G and N
  • Available in 48 states

Bad for

  • Poor customer experience
  • Fewer plan offerings than some competitors
  • Higher-than-average rates
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Cigna offers standard Medicare supplement plans, also called Medigap, in 48 states. In 46 of those 48 states, Cigna sells four Medigap plans — Plans A, F, G and N — along with a high deductible version of Plan F. In Minnesota and Wisconsin, Cigna offers specialized policies that abide by state-specific Medigap plan requirements. Overall, Cigna Medigap rates are higher than competitor prices.

Cigna Medicare Supplement insurance: Our thoughts

Cigna offers fewer Medigap plan options than some competitors, and its rates are generally higher compared to other companies. In addition, some customers have been dissatisfied with the service provided by Cigna. If you are seeking plan options other than A, F, G or N, lower rates or an overall positive customer experience, Cigna may not be the option for you.

Cigna Medicare Supplement plans, also known as Medigap, are designed to kick in after Medicare pays its part of a claim.

In a majority of states, Cigna sells four Medigap plans — Plans A, F, G and N — along with a high deductible version of Plan F. Since Plans F, G and N are the most popular Medigap plans sold, insurance shoppers can generally find an option to suit their needs through Cigna. Minnesota and Wisconsin have their own Medigap regulations, and Cigna meets all plan requirements in both of those states.

How do insurance companies set prices for Medigap policies?

Insurance companies set Medigap prices, or premiums, in the three ways listed below. It's important to understand how your price is calculated, as this may impact your costs when you first enroll or when you renew your plan in subsequent years.

Because Cigna operates in multiple states, the company's use of these rating methods varies by state.

  • Community-rated (also known as "no-age-rated"): Generally the same rate is charged to everyone who has the Medigap policy. Age and gender typically have no effect on community-rated plans.
  • Issue-age-rated (also called "entry-age-rated"): The rate is based on the age you are when you buy or are "issued" the Medigap policy.
  • Attained-age-rated: The rate is based on your current age. This means your price may go up as you get older.

We compared Medigap Plan G rates in Arkansas for Cigna, AARP (United Healthcare) and Blue Cross Blue Shield and found Cigna rates to be higher than those of the two competitor plans. Because Arkansas does not allow "attained-age" pricing, the rates do not increase based on age. For example, the Cigna premium of $167 per month applies whether a person enrolls at age 65, 75 or 85.

Arkansas Medigap Plan G rates
Medigap Plan G rate samples in Arkansas

Because these price structures affect how much you pay for Medigap now and in the future, it's important to compare premiums for the same plan type across multiple companies. You can get pricing information by calling insurance companies or visiting their websites, or by contacting your State Health Insurance Assistance Program (SHIP). The Medicare.gov website also lists the rating methods used by each Medigap insurance company in your area.

Cigna Medigap availability

Cigna Medicare Supplement insurance plans are available in 48 of 50 states, with the two exceptions being New York and Massachusetts. Within those 48 states, we found that:

Cigna offers Medigap to those on Medicare due to disability in 23 states.

While federal law generally doesn't require it, some states mandate that companies offer Medigap to people who have Medicare due to disability or permanent kidney failure. Check with your state insurance department about what rights you might have under state law.

In 46 of the 48 states where Cigna sells Medigap coverage, its policies include a preexisting conditions clause .

In most of those 46 states, Cigna's preexisting period is six months. This means that Cigna won't pay for a health condition that was diagnosed or treated during the six months before your Cigna policy effective date. In a few states, Cigna's preexisting conditions period is three months.

Cigna Medigap plan options

Cigna offers the following Medigap plans in 46 states. Plan availability may vary by state.

Each plan letter provides a set of benefits that must be offered by any company that sells the policy. Since benefits are standardized, the main difference between insurance companies is usually the price.

  • Cigna Medicare Supplement Plan A: Minimum coverage at lower rates compared to other Medigap plans.
  • Cigna Medicare Supplement Plan F: Offers the most coverage and the lowest out-of-pocket costs.
  • Cigna Medicare Supplement High Deductible Plan F: Includes the same coverage as Plan F with a lower rate. Coverage kicks in after a calendar year deductible.
  • Cigna Medicare Supplement Plan G: Includes the most coverage with a lower price.
  • Cigna Medicare Supplement Plan N: Offers a lower monthly rate than Plan G with predictable out-of-pocket costs.

Note: Medigap Plan F and High Deductible Plan F are no longer available to people who started Medicare on or after Jan. 1, 2020.

Below are the standard benefits included in Plans A, F, G and N.

Plan A
Plan F
Plan G
Plan N
Medicare Part A coinsurance100%100%100%100%
Medicare Part B coinsurance100%100%100%100%
Blood (3 pints)100%100%100%100%
Part A hospice care coinsurance100%100%100%100%
Skilled nursing facility coinsurance
100%100%100%
Medicare Part A deductible
100%100%100%
Medicare Part B deductible
100%
Medicare Part B excess charges
100%100%
Foreign travel emergency
80%80%80%

Cigna Medigap options in Minnesota and Wisconsin

Minnesota and Wisconsin have developed their own Medicare supplement plans, which are structured differently than Medigap plans in other states. In both states, Cigna uses "attained age" rating, meaning your premium is based on your current age and may go up as you get older.

In Minnesota, Cigna offers four plans: Basic, Extended, High Deductible and Copay. Premiums range from $63 per month for the High Deductible plan to $248 per month for the Extended plan. With the Basic plan, you can purchase optional riders to cover the Medicare Part A deductible, Medicare Part B excess charges or preventive care not otherwise covered by Medicare.

In Wisconsin, Cigna offers only the Basic Medicare Supplement plan with optional riders similar to those available in Minnesota.

Cigna vs. competitor Medicare supplement carriers

We compared Plan G rates in Virginia for Cigna, AARP (United Healthcare) and Anthem Health Plans of Virginia. For the most part, premiums increase over time for the companies due to the use of "attained age" rating, which is allowed in Virginia.

Cost Comparison of Medigap Plan G in Virginia
Cost Comparison of Medigap Plan G in Virginia

As you can see, Cigna has the highest rates among the three companies except for the 75-year-old age group. However, when moving from age 75 to age 85, Cigna rates increase greatly versus a smaller price jump for AARP and no increase at all for the Anthem plan. Ultimately, you will pay a considerably higher rate for Cigna at age 85 versus the other plans shown here.

Cigna offers the below Medigap options in Virginia and confirms that premiums will increase yearly as a member's age increases.

Plan name
Monthly premium
Plan A$127
Plan F$174
High Deductible Plan F$44
Plan G$140
Plan N$103

Member resources and unique benefits

The below programs and services are included in Cigna Medicare Supplement plans at no cost to members.

  • Cigna Healthy Rewards program: Provides discounts on health and wellness programs and services.
  • Health information line: Staffed with health advocates who are available 24 hours a day, 7 days a week. Health advocates are licensed — but not practicing — nurses and do not give medical advice.
  • MyCigna.com website: Allows for one-stop access to ID cards, coverage, claims information and more.

Cigna members also may qualify for rate relief. One program offers a discount to all people within a household who are enrolled in the same Cigna Medigap plan. Members could also earn a lower rate by completing a Medigap application through the Cigna website.

Reviews and customer complaints

Cigna members and providers reported concerns with customer service, including long hold times and other servicing delays, in complaints filed with the Better Business Bureau. We also found reports of difficulty getting claims approved or paid, sometimes requiring extensive follow-up with the company.

When calculating ratings, the Better Business Bureau considers many factors, including the number of complaints and how promptly they are addressed, along with a company’s size and time in business. With all factors combined, the Better Business Bureau gave Cigna a rating of A-.

The National Association of Insurance Commissioners (NAIC) complaint index for Cigna Medicare Supplement insurance is 2.22, which is well above average compared to other companies in the market. This rating means that a high number of complaints were received regarding Cigna Medigap plans.

Frequently asked questions

Is Cigna supplemental insurance good?

The quality of Cigna Medigap plans is in line with Medigap insurance offered by other companies since benefits are standardized. However, Cigna customer service is reported as subpar, and its Medigap rates can be higher than those charged by competitors.

Does Cigna pay the Medicare deductible?

Deductible coverage will vary depending on the Medicare supplement plan that you decide to purchase. Medicare Part A deductibles are fully covered by Plans F, G and N but not by Plan A. Plan F covers the Medicare Part B deductible. However, Plan F is only available to people whose Medicare started before Jan. 1, 2020.

How does a Cigna high deductible plan work?

You can select a high deductible plan only if you are eligible. For example, the high deductible version of Plan F is available only to those whose Medicare coverage started before Jan. 1, 2020. With a high deductible plan option, you pay the first $2,370 before your policy pays anything, plus a separate annual deductible of $250 for foreign travel emergency services. For Cigna, the high deductible option includes a lower monthly rate.

Note: These deductible amounts apply to the calendar year 2021 and are subject to change.

Sources and methodology

The above comparisons are based on plan coverage levels, policy details, third-party rankings and sample cost data for 2021. Price quotes for a female nonsmoker were analyzed based on age, location and insurance carrier. Sources include Medicare.gov, AARP, UnitedHealthcare, Blue Cross Blue Shield, Cigna, the Better Business Bureau and the National Association of Insurance Commissioners.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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