Cigna Medicare
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About Cigna Medicare
Cigna Medicare Synopsis
Review Summary:
Cigna offers Medicare Advantage plans, Medicare Supplement plans, and prescription drug plans. Its Medicare Supplement plans are available in 48 states, but it doesn’t offer as many plans compared to other insurers. It offers a variety of Medicare Advantage HMO and PPO plans to fit a variety of needs. It also offers three prescription drug plans that cater to the different needs and budgets that patients may have. Vision and dental are included with several plans. One unique benefit that Cigna includes with several of its plans is the Cigna Healthy Today card, which is a preloaded debit card that can be used toward food, supplements, and even utility bills.
Recommended for:
Cigna is a good choice for Medicare Advantage plans, but you will want to double check to make sure that the plans it offers are available in your state and county. If not, Aetna offers Medicare Advantage plans in all states except Alaska. While its Medicare Supplement plans are widely available, you may want to look elsewhere if you want more options. Both Humana and Mutual of Omaha would be good alternatives. Cigna’s preloaded debit card is a unique added benefit for those who could use the additional financial help. (See below for more information.)
Medicare Basics
Medicare is medical insurance sponsored by the federal government that is available to those who are 65 or older. Medicare provides Part A, which covers hospital expenses, and Part B, which covers doctor visits. However, it does not cover all expenses. (Part A and Part B are also known as Original Medicare.)
That’s where Medicare Supplement insurance and Medicare Advantage plans come into play. Medicare Supplement insurance, also called Medigap, and Medicare Advantage, also called Part C, are designed to supplement Medicare Parts A and B. Medicare patients do not need both Medicare Supplement and Medicare Advantage.
They are both purchased through insurance companies. Medicare Advantage plans typically have low premiums, require copays, and come with network restrictions. Supplement insurance policies typically come with higher premiums, have lower costs when receiving care, and do not come with network restrictions.
Pros and Cons of Cigna Medicare
Pros
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Offers Medicare Advantage, Medicare Supplement, and Prescription drug plans
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Prescription drug plans available in all 50 states
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Medicare Supplement plans available in 48 states
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Offers other benefits including a flex spending debit card
Cons
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Does not include as many Medicare Supplement plans compared to other providers
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Medicare Advantage only available in 28 states
Cigna Customer Reviews
| Customer Review Platform | Rating |
|---|---|
| Better Business Bureau (BBB) | Not Rated; 1.1/5 Stars with 356 Reviews |
| Investopedia | 4.0/5 Stars (Editorial Review) |
| Retirement Living | 4.1/5 Stars with 6 Reviews |
Cigna Medicare Coverage Overview
Cigna offers Medicare Advantage, Medicare Supplement, and prescription drug plans.
Here is a breakdown of the plans it offers:
- Medicare Advantage Plans (Part C). Medicare Advantage plans combine Part A, Part B, and Part D (in some cases) together into one plan. Some plans also include dental and vision. Cigna offers HMO and PPO plans. It also offers Special Needs Plans for qualifying participants.
- Medicare Supplement Insurance Plans (Medigap). Medicare Supplement plans help to cover some of the costs that aren’t covered by Original Medicare. Cigna offers a wide variety of Medicare Supplement plans.
- Medicare Part D Plans. Cigna also offers several prescription drug plans.
- Cancer Insurance. Cigna offers lump sum cancer insurance that averages $19 per month. This plan will give you a lump sum amount to use toward medical costs and personal expenses if you are diagnosed with cancer.
- Heart Attack and Stroke Insurance. Similar to its cancer insurance, Cigna also offers lump sum heart attack and stroke insurance that will help provide financial support while you recover from a heart attack or stroke. It averages $19 per month.
Cigna Medicare Advantage Plans
Below is an example of the Medicare Advantage plans that Cigna offers. Please note that exact plans and rates will vary depending on where you live. To find plans and rates for your area, enter your ZIP code here.
| Plan Name | Rates and Fees |
|---|---|
| Cigna True Choice Courage Medicare (PPO) | $0 Monthly premium $0 Primary care copay $30 Specialist copay $15 Out-of-network primary copay $55 Out-of-network specialist copay $4,100 max out of pocket for in-network costs $8,950 max out of pocket for in-network and out-of-network costs combined Included: Dental allowance, hearing services, vision services, fitness benefit, telehealth services, Cigna Healthy Today card with a $70 allowance added every three months, and more. Prescription drug coverage is not included. |
| Cigna True Choice Medicare (PPO) | $0 Monthly premium $35 Specialist copay $2,600 max out of pocket for in-network costs Information for out-of-network costs is not available Included: Prescription drug coverage, dental benefits, vision services, hearing benefits, home health care coverage, over-the-counter drugs benefits, fitness benefit, meal benefit, Cigna Healthy Today card with a $70 allowance added every three months, and more. |
| Cigna Preferred Medicare (HMO) | $0 Monthly premium $0 Primary care copay $45 Specialist copay $30 Out of network Primary care copay $55 Out of network Specialist copay $3,700 max out of pocket for in-network costs $8,650 max out of pocket for in-network and out-of-network costs Included: Prescription drug coverage, dental benefits, vision services, hearing benefits, home health care coverage, over-the-counter drugs benefits, fitness benefit, meal benefit, Cigna Healthy Today card with a $55 allowance added every three months, and more. |
| Cigna True Choice Savings Medicare (PPO) | $0 Monthly premium $0 Primary care copay $45 Specialist copay $30 Out of network Primary care copay $55 Out of network Specialist copay $3,700 max out of pocket for in-network costs $8,650 max out of pocket for in-network and out-of-network costs Included: Prescription drug coverage, dental benefits, vision services, hearing benefits, home health care coverage, over-the-counter drugs benefits, fitness benefits, meal benefits, Cigna Healthy Today card with a $55 allowance added every three months, and more. |
Cigna Medicare Supplement Plans (Medigap)
Cigna offers the following Medicare Supplement plans, although not all of the plans listed below are available in all areas. To find out the rates and plans available for your area, enter your ZIP code here.
| Plan Name | Coverage Details |
|---|---|
| Plan A | Plan F is Recommended for: Those who expect higher healthcare expenses. High Deductible Plan F Recommended for Those who expect to have lower health care expenses Includes: Medicare Part A Deductible Medicare Part A Coinsurance and Coverage for Hospital Benefits Medicare Part B Deductible Medicare Part B Coinsurance or Copayment Medicare Part B Excess Charges Skilled Nursing Facility Care Coinsurance Hospice Care Coinsurance or Copayment First 3 pints of blood Foreign Travel Emergency (up to plan limits) Additional programs and savings offered by Cigna, such as Cigna Healthy Rewards and the Health Information Line |
| Plan F & High Deductible Plan F | Plan G Recommended for: Those who want a lower premium and are okay paying the Part B deductible. High Deductible Plan G Recommended for: Those who expect to have fewer health care expenses. Includes: Medicare Part A Deductible Medicare Part A Coinsurance and Coverage for Hospital Benefits Medicare Part B Coinsurance or Copayment Medicare Part B Excess Charges Skilled Nursing Facility Care Coinsurance Hospice Care Coinsurance or Copayment First 3 pints of blood Foreign Travel Emergency (up to plan limits) Additional programs and savings offered by Cigna, such as Cigna Healthy Rewards and the Health Information Line |
| Plan G & High Deductible Plan G | Recommended for: Those who would rather pay a lower premium rather than have out-of-pocket expenses covered. Includes: Medicare Part A Deductible Medicare Part A Coinsurance and Coverage for Hospital Benefits Medicare Part B Coinsurance or Copayment Skilled Nursing Facility Care Coinsurance Hospice Care Coinsurance or Copayment First 3 pints of blood Foreign Travel Emergency (up to plan limits) Additional programs and savings offered by Cigna, such as Cigna Healthy Rewards and the Health Information Line |
| Plan N | Recommended for: Those who would rather pay a lower premium rather than have out-of-pocket expenses covered. Includes: Medicare Part A Deductible Medicare Part A Coinsurance and Coverage for Hospital Benefits Medicare Part B Coinsurance or Copayment Skilled Nursing Facility Care Coinsurance Hospice Care Coinsurance or Copayment First 3 pints of blood Foreign Travel Emergency (up to plan limits) Additional programs and savings offered by Cigna such as Cigna Healthy Rewards and the Health Information Line |
Cigna Prescription Drug Plans
Cigna offers the following prescription drug plans. The rates will vary depending on where you live, but below, you will find the ranges for 2023.
| Plan Name | Plan Details |
|---|---|
| Cigna Saver Rx (PDP) | $12 – $15 Monthly Premium Details: Moderate coverage $0 copays for preferred generics $10 copays for other generics $40 copays for preferred brand drugs |
| Cigna Secure Rx (PDP) | $23 – $41 Monthly Premium Details: Basic protection $1 – $16 copays for preferred generics $3 – $19 copays for other generics $20-$47 copays for preferred brand drugs $0 deductible for insulin |
| Cigna Extra Rx (PDP) | $41 – $108 Monthly Premium Details: $4 copays for preferred generics $10 copays for other generics $45 copays for preferred brand drugs Additional cost protection Insulin savings with gap coverage |
Additional Cigna Medicare Benefits
Several plans offered by Cigna also come with the following benefits:
- Fitness Benefit. The Cigna Fitness Benefit gives members the option of a health club membership, a Home Fitness Kit, and access to online videos and tools.
- Cigna Healthy Today card. This is a preloaded card that gives Medicare Advantage members a monthly allowance to use for over-the-counter items to support their health. It can also be used for fitness supplies, groceries, and utility bills. Members could add more to their cards if they volunteer.
- Telehealth Services. Cigna also offers telehealth services to its members for nonemergency care. This service allows members to talk to a doctor by phone or video at no additional cost.
Where Cigna Medicare Plans are Offered
Note: Even if Cigna is available in your state, it is not available in every county. Check availability in your specific county by entering your ZIP code here.
- Medicare Supplement Insurance (Medigap). Cigna Medicare Supplement plans are offered in 48 states and the District of Columbia.
- Medicare Advantage. Cigna offers Medicare Advantage plans in 29 states.
- Prescription Drug Plans. Cigna offers its three prescription drug plans in all 50 states.
Go here to learn all about Cigna’s Medicare footprint for 2024.
[Source: Newsroom.Cigna.com]
About Cigna
Cigna is based in Connecticut and offers a large variety of health insurance plans for individuals and groups in addition to Medicare Supplement and Medicare Advantage plans.
Reviews last updated: 4/2/24. (Reviews are typically updated monthly.)
Ratings last updated: 12/4/23. (Ratings are typically updated quarterly.)
Our Methodology
We independently identify Medicare insurance companies. Medicare Insurance companies are evaluated based on five factors that we believe are important for consumers: years in business, number of products offered, customer service availability, state licensing footprint, and Better Business Bureau (BBB) Ratings. Please find a full description of our rating system here.
This information is intended to be general and educational in nature and should not be construed as financial advice. Consult your financial advisor before implementing financial strategies for your retirement.
Address: 900 Cottage Grove Road Bloomfield, CT 06002
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