Cigna Medigap Plan G Review
Fill out the Customized Quote form for details on a Cigna Medigap Plan G 
Cigna Corporation is an AM Best A rated insurance company that has roots going back over 200 years. INA, the founding CIGNA company was the first Marine Insurance Company in that began in 1792. They insured cargo that was transported from Philadelphia to Ireland. In 1982 the company was named Cigna taken from the merger of two companies; INA Corporation and Connecticut General Corporation.
Cigna Medicare Supplements fall under divisions: Cigna Health and Life Insurance Company (CHLIC) Loyal American, American Retirement Life Insurance Company (ARLIC) and Cigna National Health Insurance Company (CMHIC). The subsidiaries differ depending on the state you live in. They all fall under the Cigna Senior Supplemental Benefits which also offers a variety of other policies including Dental/Vision/Hearing, Whole Life Insurance, Cancer, Heart Attack & Stroke, Critical Illness and Accident insurance.
Plan G Household And Multi-Insured Discounts
The discount you qualify for will differ depending on the state you live in. For example, some state allow you a discount just because you live with another adult., and an even higher discount if that person has a Cigna Supplement plan. You don’t need to have the same plan, so you could have a G and your spouse could take the N plan. Discounts can range between 3% and 20%.
Benefits for Plan 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 G is 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 plan G, 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.
Cigna 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.
The following is a summary of the medical conditions that are potentially acceptable. 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.
- Someone who has atrial fibrillation taking an anticoagulent like Eliquis, warfarin or Xarelto
- Tobacco users with diabetes
- Diabetics who take less than 3 high blood pressure medications
- Someone with diabetes who is over the maximum weight Preferred weight
- If you’re over the maximum preferred weight and have certain heart or circulatory problems
- Tobacco users 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 (614) 402-5160 us to go over the availability. These benefits are not part of the Medicare Supplement, and are provided by a third party.