Cigna Medicare Supplement Insurance Review


Rating: 9.5 / 10 (Excellent)
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Cigna is a major provider of health and life insurance in the United States. Their Medicare Supplemental Plans are offered in 37 states and the District of Columbia. Cigna is financially strong and, in general, receives positive marks for its customer service.

How is Cigna rated?

Breakdown

10/10
Coverage
9/10
Pricing
9/10
Customer Experience
10/10
Financial Strength

Overall Rating: 9.5 / 10 (Excellent)

Cigna is an established health and life insurance company whose Medigap plans are available in most regions of the country. With a robust financial record, a worldwide network of physicians, and substantial customer service support, Cigna should be be a part of anyone's research for the right Medicare Supplement Insurance plan.

Cigna Coverage

Coverage - 10 / 10

Cigna offers eight of the ten Medigap plans, but the availability of the plans depends on what state you live in. The features and benefits of Medigap plans are standardized by law. In addition, Cigna offers other supplemental "lump sum" insurance policies for heart attacks, strokes, and cancer. To find out which plans are available, please complete an online quote or call a Cigna representative.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan C - One of the most popular plans, it adds on a skilled nursing facility daily copay, the Part B annual deductible, and emergency care outside of the U.S.
  • Plan D - Though this includes most of the same benefits as plan C, it does not cover the Part B deductible.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

Cigna Pricing

Pricing - 9 / 10

Pricing can vary significantly for individuals. Premiums are set based on the age-rating method of the insurer and where the applicant lives. Because of this variance, we are not assigning Cigna a value for this category.

Cigna Customer Experience

Customer Experience - 9 / 10

Cigna has a strong BBB rating and has a complaint ratio just slightly above the national average. The Cigna website answers questions regarding their plans, and members have additional resources online for finding and communicating with their doctor, as well as the ability to file a claim online.

Support

  • Email
  • Snail mail
  • Toll-free number

Educational Resources

  • FAQs
  • Articles
  • Glossary

Reviews

BBB Rating
A+
NAICS Complaint Ratio 2017
1.94
NAICS Total Complaints 2016
286
Date Collected
2018-03-27

Cigna Financial Strength

Financial Strength - 10 / 10

Both Moody's and AM Best rate Cigna as a financially strong company with a stable outlook. Financial strength ratings can help determine whether an insurance company is able to meet its obligations.

Ratings

Moody's Financial Rating
A1
AM Best Financial Rating
A

Year Founded

1982

Underwriter

Cigna Health and Life Insurance Company

Company Profile

Full Name
Cigna Medicare Supplement Insurance
Company Website
Headquarters
900 Cottage Grove Road, Bloomfield, CT, 06002

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Top Rated
10 / 10
  • 9.4 Trustpilot rating
  • Unbiased Medicare experts
  • Speak to a licensed agent at any time
  • Excellent rates for each Medigap plan
  • Network includes top insurance carriers 
  • Supplemental coverage by area