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Cigna Medicare Supplement Insurance 2024 Review
Cigna offers popular Medigap options in almost every state, but competitors might have more types of plans or lower complaint rates.
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Written by Alex Rosenberg
Lead Writer
The bottom line: Cigna Medicare Supplement Insurance is widely available with competitive pricing and several options for discounts on premiums. However, Cigna offers only a few Medigap plan types and includes few extra perks with its policies. Customers also file complaints about Cigna Medigap policies at higher-than-average rates. Jump to: Full Review
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Cigna Medicare Supplement pros and cons
Pros
Premium discounts: Some Cigna plans might offer discounts on premiums for applying online, living with another adult, and/or living with another Cigna Medigap member.
Competitive premiums: Cigna’s Medigap premiums aren’t too far off from the lowest on the market.
Wide availability: Cigna offers Medicare Supplement Insurance in almost every state.
Cons
Complaints: Cigna members file more complaints about their policies than the industry average.
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).
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Our full review
Why trust NerdWallet
Cigna Medicare Supplement Insurance rating
Cigna Medicare Supplement Insurance earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data from the National Association of Insurance Commissioners and more.
Cigna Medicare Supplement plan types
Here are the Medicare Supplement Insurance plan types 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.)
💬 From our Nerds: Is Cigna a good Medicare Supplement Insurance company?
“With 4 stars out of 5 on NerdWallet’s Medigap rubric, Cigna isn’t far from our highest-rated picks, and I’d say it’s a Medigap company that’s well worth considering in 2024. You might be able to find a good deal — especially if you qualify for discounts.
“There are some downsides to Cigna’s Medigap offerings. They get more customer complaints than average, for example. And you won’t find a lot of variety in plan types or extra non-Medicare perks. But whether those are deal-breakers will depend on your own circumstances.”
Note: Since Medigap plan options can vary by location, it’s a good idea to do your research, compare multiple quotes and consider working with a licensed insurance agent for more personalized recommendations.
— Alex Rosenberg, lead writer covering Medicare
Cost for Cigna Medicare Supplement Insurance
Cigna’s premiums aren’t the absolute lowest on the market, but they’re sometimes pretty close. Cigna’s prices for Medigap Plan G were about 24% more expensive than the cheapest alternative in estimates obtained for this review, and its Plan N premiums were about 17% more expensive.
How we evaluate Medigap companies’ prices
Plan G
Cigna price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $194. | $148. |
Atlanta | $148. | $125. |
Dallas | $135. | $109. |
Plan N
Cigna price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $138. | $114. |
Atlanta | $104. | $95. |
Dallas | $100. | $82. |
Discounts
Qualifying applicants might be able to get one or more discounts on Cigna’s Medicare Supplement Insurance premiums if they:
Apply online.
Live with another person age 18 or older.
Live with another household member who’s also enrolled in a Cigna Medigap policy.
Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
Cigna member complaints
26% more complaints than average
Members file complaints about Cigna's Medicare Supplement Insurance plans at a rate about 26% higher than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for Cigna and its subsidiaries that sell Medicare Supplement Insurance policies.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Cigna's spending on care
80.9% for member benefits
Cigna spent about 80.9% of its Medigap premiums on member benefits, according to the most recent year of data. (The other 19.1% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all providers is 80.4%.
Medicare Supplement Insurance providers must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%.
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%.
Cigna Medigap 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.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
About Cigna
Cigna, headquartered in Bloomfield, Connecticut, was created in 1982 when Connecticut General Corp. (CG) and the Insurance Company of North America (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.
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 Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Cigna
Cigna offers several kinds of discounts, and its plans are available almost everywhere, but it gets more member complaints than average.
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Plan types offered
A, F, G and N.
NAIC complaint rate
More than expected
Premium discounts available
Above average
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Plan types offered
A, F, G and N.
NAIC complaint rate
More than expected
Premium discounts available
Above average
IS THIS PROVIDER AVAILABLE IN MY STATE?
PROS & CONS
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
