Cigna Medicare Supplement Insurance 2023 Review

Cigna offers popular Medigap options in almost every state, but competitors might have lower prices or more types of plans.
Alex Rosenberg
By Alex Rosenberg 
Edited by Dawnielle Robinson-Walker

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Nerdy takeaways
  • Cigna spends a large proportion of its premiums on care and has lower-than-average complaint rates.

  • Plans are available almost everywhere, but pricing can vary quite a bit from state to state.

  • New Medicare members have only Plan A, Plan G and Plan N as options from Cigna.

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Nerdy takeaways
  • Cigna spends a large proportion of its premiums on care and has lower-than-average complaint rates.

  • Plans are available almost everywhere, but pricing can vary quite a bit from state to state.

  • New Medicare members have only Plan A, Plan G and Plan N as options from Cigna.

MORE LIKE THISMedicareInsurance

Cigna is the fourth-largest health insurance company in the country

American Medical Association. Competition in Health Insurance. Accessed Mar 14, 2023.
. The company offers Medicare Supplement Insurance, or Medigap, in 48 states and Washington, D.C.

Cigna offers Medigap Plan A, Plan G and Plan N for any Medicare member, plus Plan F for those who qualify. The company's premiums aren't the lowest, but it devotes a higher-than-average percentage of those premiums to member benefits.

Here's what you should know about Cigna Medicare Supplement Insurance.

Cigna Medicare supplement pros and cons

Cigna's Medigap offerings have advantages and disadvantages.



  • Dollars spent on care: Cigna spends a higher proportion of the premiums it collects on member benefits than the average Medigap provider.

  • Improving complaint rates: Cigna used to have relatively high complaint rates, but now the company outperforms the Medigap industry average.

  • Wide availability: Cigna offers Medicare Supplement Insurance in almost every state.

  • Premiums can be high: Cigna’s premiums can cost a fair bit more than those of other Medigap providers, especially for Plan A.

  • Some locations pay much more: Cigna’s prices are very competitive in some locations, but much higher in others.

  • Plan types: Cigna offers only three Medigap plans to new Medicare beneficiaries: Plans A, N and G (high-deductible Plan G is available in certain locations).

Available Medicare supplement plans

Here are the Medicare Supplement Insurance plans Cigna offers for any Medicare member:

  • Medigap Plan A — the basic benefits included in every Medigap plan without any extras.

  • Medigap Plan N — a plan with lower premiums but higher copays.

  • Medigap Plan G — the highest-coverage option available to new Medicare members. Available as a high-deductible plan in certain locations.

Cigna also offers Medigap Plan F and the high-deductible version of Plan F (in certain locations) for individuals who were first eligible for Medicare before 2020. Newer Medicare members can't buy these plans from any insurance company.

In addition, Cigna offers plans in Minnesota and Wisconsin that fit each state's respective standards. (Massachusetts, Minnesota and Wisconsin don't use the same Medigap standardization system as the rest of the country.)

Additional benefits

Medigap plans are standardized, but companies can offer extras on top of the Medicare benefits. Here are a few extra perks available to Cigna Medicare Supplement Insurance beneficiaries:

  • Discount program: Cigna's Healthy Rewards program offers discounts to some members on fitness and nutrition programs, wellness products, and vision, hearing and alternative medicine services.

  • Health information line: Members can call 24/7 to speak to health advocates, all of whom are licensed nurses.

Cigna Medicare Supplement Insurance service area

Cigna offers Medicare Supplement Insurance plans in Washington, D.C., and every state except for Massachusetts and New York.

Cigna covers just under 500,000 Medicare Supplement Insurance beneficiaries and has a market share of about 3.4%

National Association of Insurance Commissioners. 2021 Medicare Supplement Loss Ratios. Accessed Mar 14, 2023.


The following price quotes were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance plans (Plan G and Plan N)

NerdWallet analysis of American Association for Medicare Supplement Insurance data. Lowest & Highest Costs for 10 Major Metros. Accessed Mar 14, 2023.

  • Los Angeles: More expensive than average.

  • Atlanta: Average cost.

  • Dallas: Less expensive than average.

The sections below show pricing information from Cigna for a 65-year-old female nonsmoker and reflect "base" pricing with optional discounts removed or factored out whenever the option was available. (Note: Some Medigap prices may be higher for males.)

For comparison, the table for each plan also includes the price for the least-expensive option to buy the same plan from other providers, based on information from For example, Cigna's price for Medigap Plan A in Los Angeles appears alongside the lowest price on for all Plan A policies available in Los Angeles to an applicant with identical demographics.

(Prices are current as of February 2023.)

Plan A

On average, Cigna's quoted premiums for Medigap Plan A were about 60% higher than the least expensive Plan A policy in the area.

Cigna-quoted price lowest price

Los Angeles









Plan G

On average, Cigna's quoted premiums for Medigap Plan G were about 46% higher than the least expensive Plan G policy in the area.

Cigna-quoted price lowest price

Los Angeles









Plan N

On average, Cigna's quoted premiums for Medigap Plan N were about 45% higher than the least expensive Plan N policy in the area.

Cigna-quoted price lowest price

Los Angeles










Cigna offers a 5% discount for applying online for new applicants in most states.

In previous years, Cigna offered a 7% discount if more than one member in a household enrolled in a Cigna Medigap policy. Cigna no longer advertises that discount for the 2023 plan year.

Available discounts may vary according to factors such as your location, household status and how you apply for a policy.

Cigna's spending on care

80.5% for member benefits

Medicare Supplement Insurance providers must report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, Cigna Medicare Supplement Insurance plans spend about 80.5% of premiums on member benefits

. (The other 19.5% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all providers is 77.3%. The minimum required by law for individual Medigap policies is 60%

Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Mar 14, 2023.

Member complaints

15% fewer complaints than average

Members file complaints about Cigna's Medicare Supplement Insurance plans at a rate about 15% lower than the average for all Medigap plans. This is according to three years' worth of data from the National Association of Insurance Commissioners for Cigna and its subsidiaries that sell Medicare Supplement Insurance policies

National Association of Insurance Commissioners. Company Complaint Index. Accessed Jan 17, 2023.

Previously, Cigna received more Medigap complaints than average, so the current rolling average represents a significant improvement. 

Other insurance offerings by Cigna and those subsidiaries perform about as well, with a complaint rate for all policy types about 9.5% below the average for all insurance companies over the same three years of data.

(Complaint rates are current as of February 2023.)

Customer service

Here's how Cigna members can contact customer service:

  • Call a Medicare Supplement Insurance customer service representative at 866-459-4272, Monday to Friday, from 8 a.m. to 8 p.m. Eastern time. (TTY/TDD dial 711 and follow the prompts.)

  • Chat online with a member services representative, Monday to Friday, from 9 a.m. to 8 p.m. Eastern time.

  • Contact Cigna through Facebook.

  • Contact Cigna through Twitter.

Third-party ratings

There are a few companies that weigh in on customers' experiences with insurance companies or the strength of the company in question, and we've included two here:

American Customer Satisfaction Index: 71 out of 100

The American Customer Satisfaction Index, or ACSI, rates consumer satisfaction with products and services based on a scientific model developed at the University of Michigan. Ratings are derived from surveys that measure consumers' expectations and perceived quality and value of products and services.

In 2021, Cigna scored 71 out of 100 on the ACSI health insurance satisfaction benchmark

American Customer Satisfaction Index. Health Insurance. Accessed Mar 14, 2023.
. ACSI measures satisfaction with the health insurance industry as a whole — the benchmark isn't specific to Medicare Supplement Insurance. For comparison, the highest score was 77 and the health insurance industry average was 73.

AM Best Financial Strength Rating: A

AM Best is a credit rating agency that specializes in the insurance industry. In June 2022, AM Best affirmed its Financial Strength Rating, or FSR, of A (Excellent) for Cigna Corp., including its U.S. life/health subsidiaries, health maintenance organizations, and New Zealand- and Europe-based insurance companies


An A rating in this category indicates that Cigna has an excellent ability to meet its ongoing insurance obligations, according to AM Best.

Compare alternatives

Here's how Medicare Supplement Insurance providers compare with Cigna.

About Cigna

Cigna, headquartered in Bloomfield, Connecticut, was created in 1982 when Connecticut General Corp., or CG, and the Insurance Company of North America — known as INA — merged. Cigna offers health insurance for individuals and families, dental insurance, Medicare Advantage and Part D plans, Medicare Supplement Insurance, and other insurance coverage such as whole life and cancer treatment insurance. The company also offers insurance for businesses. In 2021, Cigna posted $174.1 billion in adjusted revenues.

Read the NerdWallet reviews of these other Cigna Medicare offerings:

Find the right Medicare Supplement Insurance plan

Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:

  • Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.

  • What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.

  • Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.

  • Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.

If you have additional questions about Medicare, visit or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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