The bottom line: Cigna Medicare Supplement Insurance is widely available with low prices and several options for discounts on premiums. However, customers file complaints about Cigna Medigap policies at higher-than-average rates, and its variety of Medigap plan types and extra perks isn’t great. Jump to: Full Review
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 are the lowest of all the Medigap companies NerdWallet reviewed, on average.
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).
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Our full review
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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.)
More Nerdy Perspective
With 4 stars out of 5 on NerdWallet’s Medigap rubric, Cigna is a good Medigap company with a couple of drawbacks. Pros include low prices and significant discounts, but Cigna’s complaint rates, plan type variety and bundled extras aren’t fantastic. I’d recommend considering Cigna alongside quotes from a few other companies and/or working with a licensed insurance agent or broker to find the best Medigap plan for you.
Cost for Cigna Medicare Supplement Insurance
Cigna’s premiums are often among the lowest on the market. Cigna’s prices for Medigap Plan G were about 16% 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
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):
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. (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
Cigna price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $186. | $148. |
Atlanta | $148. | $139. |
Dallas | $135. | $117. |
Plan N
Cigna price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $151. | $114. |
Atlanta | $104. | $98. |
Dallas | $100. | $88. |
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.
Cigna advertises that these discounts can add up to as much as 25% off of premiums, which could represent significant savings.
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
82.2% for member benefits
Cigna spent about 82.2% of its Medigap premiums on member benefits, according to the most recent year of data. (The other 17.8% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all providers is 83.9%.
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 about 460,000 Medicare Supplement Insurance beneficiaries and has a market share of about 3.4%.
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).
Best for low premiums
- Competitive premiums, even before discounts.
- Plenty of premium discounts.
- Higher-than-average complaint rate.
- Only Plans A, G and N offered for new Medicare beneficiaries.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 21, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 21, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 21, 2025.
- 4.National Association of Insurance Commissioners. 2023 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 21, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 21, 2025.
- 6.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Feb 21, 2025.
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.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST FOR MEDIGAP PLAN OPTIONS | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | ||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | ||
BEST FOR MEMBER SATISFACTION | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | |
BEST FOR EXTRA BENEFITS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.5/5 | A, F, G and N. | More than expected | Above average | |
BEST FOR LOW PREMIUMS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, F, G and N. | More than expected | Above average | |