The bottom line: Cigna Medicare Supplement Insurance is now HealthSpring. HealthSpring Medigap plans have low premiums, and their annual price increases are smaller than average. The company’s complaint rates aren’t great, though, and you might find more plan types or bundled perks elsewhere. Jump to: Full Review
HealthSpring Medicare Supplement pros and cons
Pros
- Premium discounts: HealthSpring advertises stacking discounts of up to 25% off of premiums.
- Competitive premiums: HealthSpring's premiums are among the lowest of all the Medigap companies NerdWallet reviewed, on average.
- Reasonable price increases: HealthSpring’s average year-over-year price increases were close to the smallest among companies we analyzed.
Cons
- Complaints: HealthSpring members file more complaints about their policies than the industry average.
- Plan types: HealthSpring 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
Why trust NerdWallet
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
Governed by NerdWallet's strict guidelines for editorial integrity.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
HealthSpring Medicare Supplement Insurance rating
HealthSpring (formerly Cigna) Medicare Supplement Insurance earned 4.5 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, online quote availability, complaint data and more.
Based on these ratings, HealthSpring makes it onto our list of the best Medicare Supplement Insurance companies.
HealthSpring Medicare Supplement plan types
Here are the Medicare Supplement Insurance plan types HealthSpring 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.
HealthSpring 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.
HealthSpring plans in Minnesota and Wisconsin fit each state’s respective standards. (Those states use different Medigap plan systems than most of the country.)
More Nerdy Perspective
Is HealthSpring a good Medicare Supplement Insurance company?
With 4.5 stars out of 5 on NerdWallet’s Medigap rubric, HealthSpring is a good Medigap company with a couple of drawbacks. Pros include low prices and significant discounts, but HealthSpring's complaint rates, plan type variety and bundled extras aren’t fantastic. I’d recommend considering HealthSpring 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.
With 4.5 stars out of 5 on NerdWallet’s Medigap rubric, HealthSpring is a good Medigap company with a couple of drawbacks. Pros include low prices and significant discounts, but HealthSpring's complaint rates, plan type variety and bundled extras aren’t fantastic. I’d recommend considering HealthSpring 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.
Alex Rosenberglead writer covering MedicareCost for HealthSpring Medicare Supplement Insurance
HealthSpring's premiums are often among the lowest on the market. HealthSpring's prices for Medigap Plan G were about 18% more expensive than the cheapest alternative in estimates obtained for this review, and its Plan N premiums were about 16% more expensive.
The tables below show companies’ lowest prices from Medicare.gov, including any available household discounts. Rates might vary based on factors like age, sex, location and household status.
- How we evaluate Medigap companies’ prices
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative. For example, HealthSpring's best price for Plan G in Los Angeles is next to the lowest price from any company on Medicare.gov for the same plan.
Plan G
HealthSpring price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $178. | $166. |
Atlanta | $138. | $126. |
Dallas | $145. | $105. |
Plan N
HealthSpring price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $145. | $127. |
Atlanta | $93. | $92. |
Dallas | $106. | $80. |
HealthSpring Medigap discounts
Above-average discounts
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
HealthSpring's household discounts vary by location in size and availability. When offered, we saw discounts of 10% to 20% for living with a spouse, or around 6% for living with any other adult.
HealthSpring advertises that adding an online application discount could mean up to 25% savings on premiums. That would be significantly more than we see from most competitors.
Discount amounts and availability may vary according to factors such as your location, household status and how you apply for a policy.
HealthSpring Medicare Supplement price increases
Premiums rise slower than average
Today’s prices are important when choosing a Medigap plan, but it’s also a good idea to consider how prices might increase over time.
We analyzed price data we’ve collected to compare companies’ rate increases. In the past three years of price changes, HealthSpring’s premiums went up an average of 6.1% per year. That’s the second-lowest rate we saw among the companies we reviewed.
HealthSpring member complaints
42% more complaints than average
HealthSpring's complaint rates aren’t very good. Its members filed complaints 42% more often than the Medigap industry average. That’s according to 2022 to 2024 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.
HealthSpring's spending on care
84.3% for member benefits
HealthSpring spent about 84.3% of its Medigap premiums on member benefits, according to the most recent year of data. (The other 15.7% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all providers is 84.5%.
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 HealthSpring Medicare Supplement Insurance beneficiaries:
Discount program: HealthSpring'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.
HealthSpring Medicare Supplement Insurance service area
HealthSpring offers Medicare Supplement Insurance plans in Washington, D.C., and every state except for Massachusetts and New York.
HealthSpring covers about 635,000 Medicare Supplement Insurance beneficiaries and has a market share of about 3.5%.
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.
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 prices
- Low premiums.
- Smaller annual price increases than competitors.
- 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.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Feb 12, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Feb 12, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Feb 12, 2026.
- 4.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Feb 12, 2026.
- 5.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Feb 12, 2026.
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.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PLAN AVAILABILITY | |||||
4.5/5 | A, B, C, F, G, K, L and N | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
BEST FOR LOW PRICES | |||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Above average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PREMIUM DISCOUNTS | |||||
 From Mutual of Omaha | 4.0/5 | A, F, G and N | Far fewer than expected | Above average | From Mutual of Omaha |