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.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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Cigna Medigap


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

Plan types offered

A, F, G and N.

NAIC complaint rate

More than expected

Premium discounts available

Above average


  • Plenty of premium discounts.
  • Available in almost every state.


  • Higher-than-average complaint rate.
  • Only Plans A, G and N offered for new Medicare beneficiaries.

Cigna Medicare Supplement Insurance, or Medigap, is available 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 offers several options for premium discounts, but its complaint rates are higher than average.

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

Cigna Medicare Supplement Insurance


NerdWallet rating 

Cigna Medicare Supplement Insurance earned 3.5 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, complaint data from the National Association of Insurance Commissioners and more.

Still deciding on the right carrier? Compare Medigap plans

Cigna Medicare Supplement pros and cons

Cigna's Medigap offerings have advantages and disadvantages.


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.

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


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).

Cigna Medicare Supplement plan types

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.)

Cost for Cigna Medicare Supplement Insurance

The following price estimates 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. Best Costs Medigap 2024 – Plan G. Accessed Feb 9, 2024.

  • 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 as filed with the Centers for Medicare & Medicaid Services

Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jan 25, 2024.
. (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 any company that filed prices. For example, Cigna's price for Medigap Plan G in Los Angeles appears alongside the lowest price on for all Plan G policies available in Los Angeles to an applicant with identical demographics.

Plan G

On average, Cigna's estimated premiums for Medigap Plan G were about 24% higher than the least expensive Plan G policy in the area.

Cigna price lowest price

Los Angeles









Plan N

On average, Cigna's estimated premiums for Medigap Plan N were about 16% higher than the least expensive Plan N policy in the area.

Cigna price lowest price

Los Angeles










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

34% more complaints than average

Members file complaints about Cigna's Medicare Supplement Insurance plans at a rate about 34% higher than the average for all Medigap plans, according to 2022 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 25, 2024.

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

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 80.9% of premiums on member benefits

. (The other 19.1% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all providers is 80.4%. The minimum required by law for individual Medigap policies is 60%

Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jan 25, 2024.

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. 2022 Medicare Supplement Loss Ratios. Accessed Feb 9, 2024.

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 or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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 13 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.

Still deciding on the right carrier? Compare Medigap plans

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