We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
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 Lead Writer | Medicare, health care, legislation
Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. He is based in Stoughton, Wisconsin.
Holly Carey joined NerdWallet in 2021 as an editor on the team responsible for expanding content to additional topics within personal finance. She currently leads the Medicare team. Previously, Holly wrote and edited content and developed digital media strategies as a public affairs officer for the U.S. Navy. She is based in Virginia Beach, Virginia.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Cigna
Cigna offers several kinds of discounts, and its plans are available almost everywhere, but it gets more member complaints than average.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Above average
Pros
Plenty of premium discounts.
Available in almost every state.
Cons
Higher-than-average complaint rate.
Only Plans A, G and N offered for new Medicare beneficiaries.
Plan types offeredMedigap plan types the company generally offers (availability may vary by location). Options include Plans A, B, C, D, F, G, K, L, M and N
A, F, G and N.
NAIC complaint rateHow often the company’s members file complaints about their policies as compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC). NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Premium discounts availableBased on the number and size of a company’s available discounts on monthly premiums, in comparison to other insurance companies.
Above average
Pros
Plenty of premium discounts.
Available in almost every state.
Cons
Higher-than-average complaint rate.
Only Plans A, G and N offered for new Medicare beneficiaries.
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
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
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.
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.
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).
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.
. (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 Medicare.gov 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
Medicare.gov lowest price
Los Angeles
$175.
$137.
Atlanta
$144.
$119.
Dallas
$134.
$109.
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
Medicare.gov lowest price
Los Angeles
$127.
$105.
Atlanta
$101.
$90.
Dallas
$93.
$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
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.
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%
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.
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:
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).
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. 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.
