- Cigna offers Medicare Advantage (Part C), Medigap, and Part D plans in many states.
- If you’re eligible for Medicare, you qualify for most Cigna Medicare plans.
- Cigna may be a low-cost option if you want a Medicare Part C, Medigap, or Part D plan.
Cigna is a global health insurance company serving more than 180 million customers in over 30 countries.
Founded in 1792, Cigna is one of the oldest health insurance companies in the United States. It provides healthcare options to millions of Americans through employer benefits as well as Medicare.
Medicare is a federally funded insurance program for people who:
- are ages 65 and older
- live with disabilities
- live with chronic conditions like end stage renal disease
The types of Medicare plans Cigna offers include:
- Medicare Part C (Advantage) plans
- Medicare supplement plans, also known as Medigap plans
- Medicare Part D (prescription drug) plans
Read on to learn more about each kind of plan.
Medicare Part C (Advantage)
Medicare Advantage plans cover all the services that original Medicare (parts A and B) does. You must be enrolled in original Medicare to purchase a Medicare Advantage plan.
These plans also offer additional coverage that original Medicare doesn’t, such as dental, vision, and hearing care. Some plans also include extras like transportation to doctor’s office visits and SilverSneakers.
Medicare Part D
Medicare Part D is prescription drug coverage. Some Medicare Advantage plans include Part D coverage, but you can also purchase a separate Part D plan if you have original Medicare.
Medicare supplement (Medigap)
Medigap plans are privately sold insurance plans that help pay for health expenses that original Medicare doesn’t cover, like copays, coinsurance, and other out-of-pocket costs.
Cigna Medicare Part C plans provide all-in-one coverage that helps you monitor your health and get access to the care you need. Medicare Part C plans offer the same coverage as original Medicare, and many plans provide prescription drug coverage as well.
Cigna Part C plans vary from state to state and are based on your county of residence.
You can find a complete list of the Advantage plans offered in your area by using Medicare’s plan finder tool and entering your ZIP code. After you answer a few questions, you’ll see a list of plans in your area that offer services you need.
Their benefits include:
- inpatient hospital care
- outpatient hospital care
- short-term stays in a nursing home
- ambulance services
- limited home healthcare
- hospice care
- doctor’s office visits
- certain vaccines, such as an annual flu shot
- lab tests and X-rays
Most Part C plans offer other benefits, like vision or dental care, too. Cigna Medicare Part C plans may also include:
- vision exams
- dental care
- hearing screenings
- fitness memberships
- transportation services
- telehealth services
Cigna Medicare Part C plans are available in 18 states as well as Washington, D.C. You’ll find Cigna Part C plans in:
- New Jersey
- North Carolina
- South Carolina
Cigna Medicare Advantage plans, often branded as Cigna-HealthSpring, offer comprehensive coverage. You’ll find several types of Advantage plans, including:
- Health Maintenance Organization (HMO) plans
- Preferred Provider Organization (PPO) plans
- Private Fee-For-Service (PFFS) plans
- Special Needs Plans (SNPs)
Policies vary by state, so you may not see all of these plan options in your area.
Cigna HMO plans
Medicare Advantage HMO plans from Cigna work with a network of healthcare providers.
When you enroll in an HMO plan, you’ll choose a physician within the network to be your primary care provider (PCP). To visit a specialist, you’ll first need to see your PCP and get a referral.
Cigna PPO plans
Cigna has several Advantage PPO plans that offer more choices to members.
You won’t need a referral to visit specialists, and you can choose from both in-network and out-of-network providers. However, you may have higher copays when accessing out-of-network care.
Cigna PFFS plans
PFFS plans are Cigna’s most flexible Part C plans.
Medicare Advantage PFFS policies don’t have a network. You’re free to visit any Medicare-approved doctor, as long as they accept coverage from your PFFS plan.
Before accessing care, you’ll need to check that the care provider will accept your Cigna plan.
Cigna also offers Medicare SNPs for people with specific medical or financial needs.
SNPs are available to individuals who qualify for both Medicare and Medicaid and who live in a nursing home or have a chronic illness.
Medigap is a type of Medicare insurance sold by private companies and designed to help cover original Medicare costs, such as:
There are 10 Medigap plans, and each is given a letter name. No matter what company you use, the coverage offered by a certain letter plan must be the same.
Cigna offers Plan A, Plan F, high-deductible Plan F, Plan G, and Plan N.
Due to recent changes to Medicare regulations, Plan F is no longer available to new Medicare enrollees. This change applies only if you became eligible for Medicare starting on or after January 1, 2020. If you were eligible for Medicare in 2019 or earlier, you can still buy plan F.
All Cigna plans also come with extra services, including:
- Cigna Health Rewards
- hearing aids
- routine vision services
- laser eye correction
- gym membership discounts
Cigna Medigap plans are available in 48 states and Washington, D.C. Plans aren’t offered in New York or Massachusetts.
Cigna offers several forms of Medicare prescription drug coverage, including Advantage and Part D plans. These plans cover the most commonly prescribed medications.
Cigna Part D plans are offered in all 50 states and Washington, D.C.
Using the Medicare’s plan finder tool, you can enter the prescriptions you take and find Part D plans that cover them.
Before you can enroll in a Cigna Medicare Part C plan, Medigap plan, or Part D prescription drug plan, you’ll need to sign up for original Medicare (parts A and B).
Contact your local Social Security office for help enrolling online or on the phone.
If you’re a U.S. citizen or permanent resident over age 65, you’re eligible for original Medicare. Adults under age 65 with a chronic illness or disability can also qualify for Medicare.
- Medicare Advantage, Medigap, and Part D plans are sold by private insurance companies.
- Cigna offers each of these plans in many states.
- Cigna may be an affordable option for additional Medicare coverage.
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