Cigna Medicare Supplement (Medigap) plans are standardized Medicare gap policies that help pay many out‑of‑pocket costs not covered by Original Medicare Parts A and B, such as deductibles, copays, and coinsurance.

What Cigna Medicare Supplement Is

Cigna Medicare Supplement (also called Medigap) is private insurance that “wraps around” Original Medicare, helping pay your share of covered services instead of replacing Medicare like an Advantage plan does.

You must be enrolled in Medicare Part A and Part B to buy one of these policies, and you keep the freedom to see almost any doctor nationwide who accepts Medicare.

Core Coverage Highlights

Most Cigna Medigap plans cover a common set of gaps in Original Medicare, with richer plans covering more of the bill.

Depending on the letter plan, benefits can include:

  • Part A hospital coinsurance plus up to 365 extra hospital days after Medicare benefits end.
  • Part B coinsurance for doctor and outpatient services, usually reducing or eliminating those 20% bills.
  • Coverage for the first 3 pints of blood each year and hospice coinsurance.
  • Skilled nursing facility coinsurance, the Part A hospital deductible, and—in some plans—Part B excess charges.
  • Limited foreign travel emergency coverage with certain plan letters, up to plan limits.

Plan Letters (A, F, G, N)

Cigna offers several standardized Medigap plans; the most common are Plans A, F, G, and N, and each letter has the same basic benefits no matter which company sells it.

  • Plan A : Basic, covers Part A and B coinsurance and blood/hospice; lowest benefits but often lower premiums.
  • Plan F : Most comprehensive; covers almost all Medicare cost‑sharing, including Part B deductible, but generally only available if you were first eligible for Medicare before 2020.
  • Plan G : Very similar to F but does not cover the Part B deductible; often popular because of strong coverage and competitive premiums.
  • Plan N : Good coverage of major items but with small copays for some office and ER visits; can have lower premiums than G in many areas.

Example comparison

Feature Plan G Plan N
Part A hospital coinsurance & extra days Covers 100% Covers 100%
Part B coinsurance Covers 100% after deductible Covers 100% except up to $20 office visit and $50 ER copays
Part B deductible Not covered Not covered
Skilled nursing facility coinsurance Covered Covered
Foreign travel emergency Covered (up to policy limits) Covered (up to policy limits)
(Data generalized from public Medigap descriptions.)

Pricing, Discounts, and Trends

Cigna’s Medigap premiums vary by state, age, tobacco use, and rating method, but reviewers note that Cigna is not always the lowest‑price option in a given ZIP code.

Some Cigna Medigap products offer household or multi‑applicant discounts—up to about 7–25% depending on the state and specific underwriting—if another qualifying person in the home also has a Cigna Medigap policy.

Recent years have seen:

  • Growing popularity of Plan G as the “new Plan F” for people first eligible for Medicare after 2019.
  • Ongoing forum discussions where members compare Cigna’s rate stability, customer service, and claim handling to other Medigap carriers.

Enrollment Basics & Who It Fits

You can generally buy a Cigna Medicare Supplement starting the month you turn 65 and are enrolled in Part B, during your 6‑month Medigap Open Enrollment Period when you usually cannot be turned down for health reasons.

Outside that window, medical underwriting often applies, so people with significant health issues may face higher premiums or possible denial depending on state rules.

Cigna Medigap can be a good fit if you:

  • Want predictable out‑of‑pocket costs and broad nationwide access to Medicare‑participating providers.
  • Prefer to avoid HMO/PPO networks and referrals that can come with Medicare Advantage plans.
  • Are willing to pay a (sometimes higher) monthly premium in exchange for lower surprise bills when you actually use care.

Information gathered from public forums or data available on the internet and portrayed here.