at a glance
- Cigna Medicare supplement plans are available in 46 states and Washington, D.C.
- Medicare supplement plans through Cigna 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 that come with Medicare.
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 Advantage and Medicare supplement (Medigap) plans to people with Medicare. Plans are available in multiple states and help Medicare enrollees pay costs like deductibles and coinsurance.
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 coinsurance
- Part B coinsurance
- Part B excess charges
- first 3 pints of blood
- hospice care coinsurance and copay
In addition to these costs, some supplement plans help cover the cost of your Part A deductible and 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) available only if you were first eligible for Medicare before 2020 | 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 |
| hospice care coinsurance and copays | 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 | up to 80% | up to 80% | up to 80% |
Cigna Medigap plan extra benefits
In addition to the standard coverage guaranteed with all Medigap plans, Cigna offers a few additional benefits, including:
- access to a 24/7 health information line
- Cigna’s Healthy Rewards program offers discounts on services such as:
- gym memberships
- hearing aids and exams
- routine vision services
- laser eye correction
- meal delivery services
Medicare supplement plans are each given a letter name. No matter what company you use, the basic coverage offered by a certain plan must be the same. Cigna offers Plan A, Plan F, Plan F (high deductible), Plan G, and Plan N.
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
- Medicare Part B coinsurance or copayments
- hospice care coinsurance or copayments
- blood (first 3 pints)
Cigna Medicare Supplement Plan F
Plan F is only available to Medicare enrollees who were eligible for Medicare before January 1, 2020. This is because plan F offers coverage for the Part B deductible.
In addition to the Part B deductible, Plan F covers:
- Part A coinsurance
- Part A deductible
- Part B coinsurance or copayments
- Part B excess charges
- hospice and skilled nursing facility coinsurance and copayments
- blood (first 3 pints)
- foreign travel emergency care costs
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 Part B excess charges.
Other than coverage for the Medicare Part B excess charge, Plan G and Plan N are very similar.
Your costs will depend on where you live and the plan you choose. As a general rule, plans with more coverage will cost more than plans with less. Cigna can provide personalized quotes for the plans you’re interested in.
The following table gives some example price ranges of what each plan costs per month in different areas of the United States in 2022:
| Baltimore, MD | Atlanta, GA | Monterey, CA | New Orleans, LA | |
|---|---|---|---|---|
| Plan A | $108–$3,131 | $97–$3,835 | $91–$721 | $90–$1,319 |
| Plan F | $141–$1,131 | $121–$4,652 | $156–$999 | $130–$1,291 |
| Plan F (high deductible) | $32–$354 | $39–$2,206 | $28–$166 | $31–$673 |
| Plan G | $117–$1,060 | $101–$3,304 | $120–$873 | $109–$1,134 |
| Plan N | $85–$790 | $77–$3,217 | $92–$698 | $81–$807 |
As you can see, these ranges can be quite broad and vary by location. You can shop for Medigap plans using the Medicare website and entering your ZIP code for a more specific price.
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 Medicare Advantage (Part C) plans. 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 Medicare 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.
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.
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 46 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.