Cigna Medicare Advantage 2024-2025 Review: Pros, Cons, Costs

Cigna Medicare Advantage pros and cons

Our full review

Cigna Medicare Advantage star ratings

Average star rating, weighted by enrollment: 3.93

Cigna Medicare Advantage plans are rated at almost exactly the industry average, receiving an average rating of 3.93 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 3.95.

While some plans have lower ratings, more than two-thirds of Cigna’s members are in highly rated plans. Of members who are in plans with a Medicare star rating, 69% are in plans rated 4 stars or above for the 2025 plan year^[0]

CMS maintains its own star ratings, which rank each plan from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

All Medicare Advantage plans are evaluated on health plan measures, and Medicare Advantage plans that include prescription drug coverage are also evaluated on drug plan measures.

You can find a plan’s rating with the Medicare plan finding tool.

What does Cigna Medicare Advantage cost?

Cigna offers a $0-premium plan in most markets in 2025, and 8 in 10 of Cigna’s Medicare Advantage plans are $0-premium plans. You'll also be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 ($185 in 2025).

(Most people pay this standard Part B amount, but if your income is above a certain threshold, you’ll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium^[0]

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

• Whether the plan covers any part of your monthly Medicare Part B premium.

• The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

• Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

• The plan’s in-network and out-of-network out-of-pocket maximums.

• Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

• Whether you require extra benefits, and if the plan charges for them.

Here are examples of Cigna Medicare Advantage costs for the most popular plans in a mid-range city:

To get a sense of costs, use Medicare’s Plan Finder to compare information among available plans in your area. You can select by insurance carrier to see only Cigna plans or compare across carriers.

Cigna Medicare Advantage plan types

Cigna offers Medicare Advantage prescription drug plans as well as stand-alone prescription drug plans and Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

Are Cigna HealthSpring and Cigna Medicare the same?

Cigna acquired HealthSpring in 2012, allowing Cigna to expand its Medicare business. As recently as 2020, Cigna sold Cigna-HealthSpring-branded plans, but none are currently available. HealthSpring is a subsidiary of Cigna.

Third-party ratings

AM Best Financial Strength Rating: A (Excellent)

AM Best is a credit rating agency that specializes in the insurance industry. In April 2024, AM Best affirmed its Financial Strength Rating, or FSR, of A (Excellent) for The Cigna Group, including its U.S. life/health subsidiaries and Europe-based insurance companies^[0]

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

J.D. Power Ranking

In its 2024 Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest state Medicare markets.

On these measures, Cigna placed third out of six major providers in Texas (the only state where Cigna had enough market share to be considered)^[0]

NCQA Score Range: 2.5 to 3.5 out of 5

The National Committee for Quality Assurance rates health insurance plans on a 5-point scale (with 5 being best) based on clinical quality, member satisfaction and results from the NCQA's accreditation survey. The ratings highlight the results of care and what patients say about their care.

In its September 2024 ratings of Cigna plans, the NCQA awarded ratings between 2.5 and 3.5. Out of six plans rated, two plans received a 2.5 rating: Cigna HealthCare of Georgia and Cigna HealthCare of South Carolina^[0]

Cigna Medicare Advantage service area

Cigna offers Medicare Advantage plans in 29 states and Washington, D.C.

Overall, Cigna is the sixth-largest Medicare Advantage provider in the country among for-profit health plans. More than half a million Medicare beneficiaries are enrolled in Cigna Medicare Advantage plans, and the company added 14,000 new members for the 2024 plan year^[0]

Read the NerdWallet reviews of these other Cigna Medicare offerings:

• Cigna Medicare Supplement Insurance (Medigap).

• Cigna Medicare Part D prescription drug plans.

Cigna Medicare Advantage customer service

Cigna Medicare Advantage members can contact their plan’s customer service in a few ways:

• Call a customer service representative at 800-997-1654, available 24 hours a day, 365 days a year. (TTY/TDD dial 711 and follow the prompts.)

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