Cigna Medicare Supplement Insurance 2025 Review

Cigna Medicare Supplement pros and cons

Our full review

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.)

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.

Plan G

Plan N

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^[0]

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^[0]

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%^[0]

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%^[0]

Read the NerdWallet reviews of these other Cigna Medicare offerings:

• Cigna Medicare Advantage.

• Cigna Medicare Part D.