Cigna Summary
Cigna is a global top 20 Fortune 500 insurance and health services company based in Bloomfield, Connecticut. With a reputation for dependability, Cigna provides a variety of financial and health services, including Medicare Supplement insurance coverage, to people all over the country. Cigna’s unique name is a result of the 1982 merger of Connecticut General Life Insurance Company (CG) and the INA Corporation (CG+INA=Cigna)
Cinga offers 5 Medicare Supplement Insurance plans in most geographic areas plan A, G, N and two types of plan F including a high deductible option. (Note: Plan F is only available if you qualified for Medicare before January 1, 2020.) According to Cigna’s site assures users that with their plans, you’ll receive great value, choice, and reliability.
Pros
- Available in 48 states
- 24 Hour Customer Support
- Easy-to-Use Website
Considerations
- So-So customer service
- Long waits on quotes
- Limited Medigap selection
Top 3 Supplement Companies
Overview
Competitive Rates
Cost is often one of the major considerations when shopping for Medigap coverage, and it is important to try to get the best rate possible without compromising coverage. The cost of Medicare Supplement insurance plans can vary for several reasons, but Cigna has a reputation for offering competitive rates to its customers.
24/7 Customer Service After the Sale
A major benefit to choosing Cigna is the availability of its customer support representatives. You can reach a live person any time once you purchase a Cigna Medicare Supplement plan. This can be incredibly beneficial if you have questions about your coverage when the unexpected happens.
User-Friendly Website
Cigna’s streamlined website is clean and easy to navigate, even for those who might be less tech-savvy. Getting information about available Medicare Supplement plans is simple, and you can even review plans side-by-side to compare them better. In addition to information, you can also get a quote online to see what you might be eligible for.
Online Portal
If you enroll in a Medigap plan through Cigna, you gain access to an online portal at myCigna.com that lets you review coverage, get information about your claims, and manage your spending accounts all from one place. It is a simple and convenient tool for accessing important information about your Medicare Supplement insurance plan.
Why Medicare Supplement Insurance?
Having Medicare Supplement Insurance (also called Medigap) in addition to Original Medicare benefits helps to protect you from unexpected costs, allowing you to receive the care you need without worry of financial burden. Because of the guaranteed coverage protection offered during the Open Enrollment Period, it's a great option for those with pre-existing conditions as well. Plus, it allows you to continue to receive the federal Medicare benefits you’ve been paying toward throughout your working years.
Key advantages of Medicare Supplement Insurance:
- Guaranteed renewability each year
As long as you pay your premium, your coverage will continue year after year and cannot be cancelled (except in specific cases, like providing inaccurate information on your application).
- Simple, straightforward plan options
Because they are federally standardized, it’s fairly straightforward to understand and compare your options when it comes to Medigap coverage.
- Nationwide network of doctors and specialists
Medicare Supplement enrollees can visit any doctor that accepts Medicare coverage. Doctors or hospitals that accept Medicare are required to accept all Medigap plans, regardless of insurance carrier.
- More flexibility with treatment options.
Some Medicare plans require you to choose a primary care physician, who has the final say on what providers you can see. Medigap plans allow you the flexibility to select any treatment option you prefer.
