- Cigna offers Medicare supplement plans in 48 states and Washington, D.C.
- Plans offered include Plan A, Plan F, Plan F (high deductible), Plan G, and Plan N.
- Medicare supplement plans can help you pay the out-of-pocket costs of Medicare.
- You can get coverage to help you pay deductibles, coinsurance costs, copays, and more.
Cigna is one of the oldest companies in the United States, tracing its roots back to the Insurance Company of North America, formed in 1792. The company has been known as Cigna since 1982.
Among its multiple insurance offerings, Cigna offers Medicare supplement (Medigap) plans to people with Medicare. Plans are available in multiple states and help Medicare enrollees pay costs like deductibles and coinsurance.
In 2020, you can buy Cigna Medicare supplement plans in 48 states and Washington, D.C. (plans are not offered in New York or Massachusetts).
Those states have their own policies guiding Medicare supplement plans. So, Cigna plans available there need to comply with the state regulations. This means you’ll see different options when you shop for plans in Minnesota and Wisconsin.
If you’re enrolled in Medicare because you have a disability and are under age 65, not all supplement coverage options are available to you in all states.
Medicare supplement plans are each given a letter name. No matter what company you use, the coverage offered by a certain letter must be the same. Cigna offers Plan A, Plan F, Plan F (high deductible), Plan G, and Plan N.
All Cigna plans also come with access to Cigna programs, such as Cigna Health Rewards. It offers discounts to members on extras like gym memberships, hearing aids and exams, routine vision services, and laser eye correction.
Cigna Medicare Supplement Plan A
Like all supplement plans, Plan A picks up some of the out-of-pocket costs of Medicare, including:
- Medicare Part A coinsurance
- hospice care coinsurance or copayment
- blood (first three pints)
- Medicare Part B coinsurance or copayments
Cigna Medicare Supplement Plan F
A recent congressional ruling stopped Medigap plans from offering coverage of the Part B deductible, in the hopes of reducing unnecessary doctor’s visits. But if you became eligible for Medicare before 2020, you can still add this plan to your Medicare coverage or keep Plan F if you already have it.
In addition to the Part B deductible, Plan F covers:
- Part A coinsurance
- hospice care coinsurance or copayment
- blood (first three pints)
- Medicare Part B coinsurance or copayment
- Medicare Part A deductible
- skilled nursing facility coinsurance
- Medicare Part B excess charges
- foreign travel emergencies
Cigna Medicare Supplement Plan F (high deductible)
Like the standard version of Plan F, this plan is available only to Medicare beneficiaries who were eligible for enrollment before 2020.
The plan covers all the same services as the standard Plan F, but you’ll need to meet a higher deductible before coverage kicks in. Generally, this means you’ll also pay a lower monthly premium for coverage.
For example, a standard Plan F might have a premium of $150 per month and a deductible of $200. A high-deductible Plan F might have a premium of only $40 per month but a deductible of $1,000.
Higher-deductible plans are typically designed for people who don’t think they’ll need to use their coverage often.
Cigna Medicare Supplement Plan G
Plan G covers all the services of Plan F, except for the Part B deductible. This makes it a good choice if you became eligible for Medicare in 2020 or later and are looking for comprehensive supplemental coverage.
Cigna Medicare Supplement Plan N
Just like Plan G, Plan N is a comprehensive plan that offers almost all the coverage offered by Plan F. Plan N doesn’t cover the Part B deductible or Medicare Part B excess charges.
Excess charges are those that can be billed to you above the Medicare-approved amount for a service. For example, if an X-ray fee is $108 but the Medicare-approved amount is $100, you could be charged the additional $8.
The excess charge is in addition to your Part B coinsurance amount.
Other than coverage for the Medicare Part B excess charge, Plan G and Plan N are very similar.
The services covered will depend on the plan you choose, but all supplement plans cover some costs of Medicare that you would typically be responsible for. These include:
- Part A deductible: $1,408 in 2020
- Part A coinsurance: coinsurance starts on day 60 of a hospital or long-term care stay; you’ll pay $352 on days 60 through 90, then $704 after day 91 until you hit your lifetime reserve days
- Part B deductible: $198 in 2020
- Part B coinsurance: 20 percent of the cost of all covered services
- Part B excess charges: costs above the Medicare-approved amount
- pints of blood: pints of blood generally cost between $150 and $300
In addition to these costs, supplement plans can help cover the cost of hospice and limited skilled nursing facility stays. Plus, you’ll get coverage for medical emergencies while you’re traveling out of the country.
The table below summarizes what’s included in the different Medigap plans offered by Cigna:
|Coverage||Plan A||Plan F (standard and high deductible)||Plan G||Plan N|
|Part A coinsurance||Yes||Yes||Yes||Yes|
|Part A deductible||No||Yes||Yes||Yes|
|Part B deductible||No||Yes||No||No|
|Part B coinsurance||Yes||Yes||Yes||Yes|
|Blood (first 3 pints)||Yes||Yes||Yes||Yes|
|Skilled nursing facility care coinsurance||No||Yes||Yes||Yes|
|Part B excess charges||No||Yes||Yes||No|
|Foreign travel emergencies||No||Yes||Yes||Yes|
Your costs will depend on where you live. As a general rule, plans with more coverage will cost more than plans with less. You can shop for Medigap plans using the Medicare website.
The following table gives some example prices of what each plan costs per month in different areas of the country in 2020:
|Plan||Baltimore, MD||Atlanta, GA||Monterey, CA||New Orleans, LA|
|F (high deductible)||$60.15||$61.95||—||$68.16|
Medicare supplement insurance is also known as Medigap. Medigap plans are designed to help you cover some of the costs of Medicare.
Medigap plans cover costs of original Medicare that would otherwise fall to you, such as deductibles and coinsurances.
Medigap plans don’t work with Part C plans, also called Medicare Advantage. Part C plans have their own premiums, copayments, coinsurances, and deductibles. Whether Medigap or Medicare Advantage is better option for you depends on your needs and budget.
You can use Medigap plans together with Part D (prescription drug coverage). By combining original Medicare, Part D, and a Medigap plan, you’ll be covered for a wide range of services.
But, if you go this route, you’ll need to pay a premium for each.
Supplement plans are standardized to be the same — no matter what state you live in or what company you buy them from. This means that a Medigap Plan N will cover the same things in Maine as it does in California, and the same things from Cigna as from another company.
A few states, however, are an exception to this rule. You’ll see plans under different names and with different coverage in:
Medicare supplement (Medigap) plans can help you reduce the costs you pay to use your original Medicare coverage.
Cigna offers several supplement plans to residents of 48 states and Washington, D.C.
Plans from Cigna include Plan A, Plan F, Plan F (high deductible), Plan G, and Plan N. Plan F is only available if you were eligible for Medicare before 2020, but Plans N and G offer similar coverage.
You can shop for plans in your state on the Medicare website.
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