Cigna Medicare Supplement Review
Posted in Companies last updated on April 16, 2024Fill out the Customized Quote form for details on a Cigna Medicare Supplement and see instant rate comparisons 
Cigna Corporation is an AM Best A rated insurance company that has roots going back over 200 years. INA, the founding CIGNA company, started as the very first Marine Insurance Company in 1792 insuring cargo being transported from Philadelphia to Ireland. It wasn’t until 1982 that they became the widely recognizable company we know today insuring over 15 million people worldwide. The name Cigna was taken from the merger of two companies; INA Corporation and Connecticut General Corporation.
Cigna Medicare Supplements are part of the Senior Supplemental Benefits division of the company. This division includes three other subsidiaries to provide Medicare Supplements: Cigna Health and Life Insurance Company (CHLIC) Loyal American, American Retirement Life Insurance Company (ARLIC) and Cigna National Health Insurance Company (CMHIC). The company that offers the Medicare Supplement varies depending on the state you live in. Cigna Senior Supplemental Benefits also offers a variety of policies including Medicare Supplements, Whole Life Insurance, Cancer, Heart Attack & Stroke, Critical Illness and Accident insurance.
HOUSEHOLD AND MULTI-POLICY DISCOUNTS
- Live with another adult and get a 6% premium discount (5% in WA)
- Someone else in your house has or is also applying for a Medicare Supplement policy with and Cigna or it’s affiliates 20% – Residents of FL, NH and WA must have the same affiliate company
Some states 0ffer discounts between 3% and 15% – Household and Multi-Policy discounts aren’t available in all states
HOW TO APPLY FOR A CIGNA MEDICARE SUPPLEMENT
There are several ways to apply. The most efficient way to apply is through the agent online system. It’s the quickest and easiest method. You won’t have to physically sign any paperwork and after the agent completes an online application. Then we’ll connect you directly with Cigna on the phone to complete your phone verification.
If you don’t have a computer or smart phone the Cigna will allow you to use a voice signature over the phone. You’ll actually do a voice authorization and the agent will file the appropriate paperwork for you.
It’s best to use an automatic bank draft to pay your premiums. Your first premium will be deducted from your account when you’re approved and binds your new Cigna policy. You can choose a specific draft date for future premiums.
If you still don’t like an insurance company to draft your checking or savings account, Cigna will allow you to mail in a check for quarterly, semi-annual and annual payments. They won’t accept checks from anyone else but you or a family member. Third party checks from a company or charitable organization will not be honored. Your check must be from a personal checking account.
Choose The Best Cigna Medicare Supplement Plan For You
All plans are not available in all states and may differ by each Cigna Affiliate company.
Plan A
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are depleted.
- Part A Hospice care coinsurance or copayment.
- Part B coinsurance and copays.
- Blood transfusions (first three pints).
Plans F and High Deductible F (HDF)*
- Part A coinsurance and hospital costs. Medicare will cover an additional 365 days after the Medicare benefits are depleted.
- Part A deductible.
- Part A Hospice care coinsurance or copayment.
- Part B coinsurance and copays.
- Part B deductible.
- Part B excess charges. (Most States allow a provider to charge you 15% more than Medicare’s approved amount.)
- Skilled nursing facility care coinsurance.
- Blood transfusions (first three pints).
- Emergency health care services for the first 60 days when traveling outside the U.S.
Plans G and High Deductible G (HDG)*
- Part A coinsurance and hospital costs. Medicare will cover an additional 365 days after the Medicare benefits are depleted.
- Part A deductible.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Part B excess charges (Most States allow a provider to charge you 15% more than Medicare’s approved amount.)
- Skilled nursing facility care coinsurance.
- Blood transfusion (first three pints).
- Emergency health care services for the first 60 days when traveling outside the U.S.
Plan N
- Part A coinsurance and hospital costs. Medicare will cover an additional 365 days after the Medicare benefits are depleted.
- Part A deductible.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance other than up to a $20 copay for office visits or a $50 emergency room visit if you aren’t admitted to the hospital.
- Skilled nursing facility care coinsurance.
- Blood transfusion (first three pints).
* Plans F and G are also available with a high deductible option. Medicare determines the new deductible every calendar year. You will need to pay the annual Part B deductible as with regular plans G and N also determined each year by Medicare. Then Medicare will cover it’s part as with all other plans. You will continue to pay the Part A and B coinsurance until the High Deductible limit is met. After you meet the annual deductible, the plan will pay 100% of Medicare covered services for the rest of the calendar year. Out of pocket costs for Foreign Travel emergency deductibles are not included in the out of pocket limit on the High Deductible plans.
Medicare Open Enrollment and Guarantee Issue Plans
If your are age 65 (or turning 65 in the next 6 months), you can apply for a Cigna Medicare Supplement policy. If you live in certain states, the name of the company may be Cigna National Health, American Retirement Life or Cigna Health and Life. Most states only offer attained age policies. This means that your rates will increase each year slightly as you get older. If you are new to Medicare Part B, or recently lost other coverage, you will get the PREFERRED rate for your age regardless of your health. You can apply for cover up to 180 days before you want the coverage to start, but in some situations, you may need proof that your prior coverage has ended or will end. Tobacco users may also get the non-tobacco rate depending the state you live in.
If you’re 65 or older and retired, and you recently lost or will lose employer coverage, you have the right to buy certain plans according to the state you live in. Most states require that Cigna or it’s affiliate offer’s plans A, F, G and N. A company can choose to offer other plans, but not required to. You must apply for coverage within 63 days of your coverage terminating or the notice that informs you your coverage is terminating. Which ever is later.
Only certain states offer coverage for people with Medicare who are under the age of 65. We can help determine if you’re eligible if this is your situation. Different rules apply in each state and not all plans are available.
Cigna Medicare Supplement Medical Underwriting
If your not new to Medicare Part B, or losing other coverage and in a guaranteed issue situation, you’ll have to pass the health questions and the height and weight guidelines. Below is a sample height and weight chart for you to check. If you don’t fit within these guidelines, we’ll find another company for you.
You can see that Cigna is very generous on the height and weight requirements, so if you have had a problem finding a company that will accept you, this could be an option.
The following is a summary of the medical conditions that are no longer declinable, but you may fit into one of two more categories with a higher rate. This makes Cigna one of the best Medicare Supplement companies when it comes to getting around certain medical conditions. Please note that not all states allow companies to charge higher rates if you are a tobacco user and have certain conditions. If the state you live in allows an adjustment in rates for certain conditions, you may still qualify even if one of the following is true.
- You’re a tobacco user and have diabetes
- Diabetics who take less than 3 high blood pressure medications
- Someone with Diabetes who is over the maximum weight
- If you’re over the maximum weight and have certain heart or circulatory problems
- You are a tobacco user and have heart or circulatory conditions
Healthy Rewards Discount Programs for the Cigna Medicare Supplement *
- ACTIVE & FIT – You can join a participating health club and pay a reduced rate of $25 per month at over 15,000 fitness centers nationwide. For people who prefer to exercise at home, you can choose 2 home fitness kits out of 15 options per year. The cost is $10 each.
- Vision Benefits – Includes discounts at Pearle Vision, Sears and JC Penny for exams and eyeglasses.
- Discounts on Hearing aids at one of Amplifon’s locations
- Discounts on Chiropractic, massage and acupuncture
- Discounts for weight management like Jenny Craig.
- A $100 credit if you use one of there participating hospitals for an inpatient stay. You can go to any hospital that accepts Medicare, but if you use one on the list, you’ll get a credit towards future premiums.
*Extra services are no offered in all states so please call us to go over the availability. These benefits are not part of the Medicare Supplement, and are provided by a third party.