Cigna Medicare Supplement Review (2026): Cost, Pros & Cons

Cigna offers seven Medicare Supplement (Medigap) plans to help cover gaps in Original Medicare, though availability varies by location. Each plan has different coverage levels, so you can choose one that fits your healthcare needs and budget.

• Plan A: Basic Medicare Supplement coverage, including Part A coinsurance, hospital costs for up to 365 additional days and Part B coinsurance. Best for healthy individuals who want the lowest premium and rarely need medical care.
• Plan B: Everything in Plan A plus coverage for the Medicare Part A deductible. This works well if you want slightly more comprehensive coverage than Plan A without full protection from out-of-pocket costs.
• Plan C: Comprehensive coverage including both Part A and Part B deductibles, skilled nursing facility coinsurance, Part B excess charges and foreign travel emergency care. It is only available to people who became eligible for Medicare before January 1, 2020.
• Plan D: Covers the Part A deductible, skilled nursing facility coinsurance and foreign travel emergency care, but doesn't cover the Part B deductible or excess charges.
• Plan F: The most comprehensive plan, covering all Medicare Part A and Part B cost-sharing, including both deductibles, coinsurance, copayments and Part B excess charges. It is only available to people who became eligible for Medicare before January 1, 2020.
• Plan G: Nearly identical coverage to Plan F but doesn't cover the Medicare Part B deductible. This popular plan is available to all Medicare beneficiaries and has comprehensive coverage at a lower premium than Plan F.
• Plan N: Covers the Part A deductible, skilled nursing facility coinsurance and foreign travel emergency care with copayments of up to $20 for doctor visits and up to $50 for emergency room visits.

Cigna also has high-deductible versions of Plans F and G, which have the same benefits as those plans but require you to first meet the deductible before coverage begins. These plans have lower monthly premiums, but the tradeoff is that you’ll pay more out-of-pocket costs upfront.

Cigna sells Medicare Supplement insurance in 43 states plus Washington, D.C. Plan availability varies by state, with most states offering Plans A, F, G and N. Massachusetts, Minnesota and Wisconsin use state-specific Medigap plan structures instead of the standard lettered plans. Cigna uses different pricing methods depending on your location, which affects how your premiums change over time.

Cigna Medicare Supplement costs vary by plan type, age and location. Cigna’s rates are competitive, with monthly premiums for 65-year-olds ranging from about $162 to $269, depending on the plan. Lower-cost options like Plan G ($162) and Plan N ($175) sit close to or below national averages, while more comprehensive plans such as Plan C ($269) and Plan F ($252) run modestly higher, reflecting broader coverage.

For 75-year-olds, Cigna’s rates span roughly $203 to $318 per month, with better value on several plans. Plans B, C, D and N are all priced well below national averages for this age group, but Plans A, F and G are higher than average. Overall, Cigna stands out most for seniors seeking balanced coverage at competitive prices rather than the absolute lowest premiums.

Cigna offers several member benefits beyond standard Medigap coverage. These extras add value to your policy and help you save money on health and wellness services.

• Premium Discounts: Cigna has discounts in many states, combining a household discount of up to 7% when multiple household members enroll and an additional 5% discount for completing your application online. Discount availability varies by state, with some states offering different amounts or no discounts at all.
• Healthy Rewards Program: Members get access to discounts on wellness services including fitness memberships, vision care, chiropractic services, weight loss programs, acupuncture, massage therapy and hearing services. The program is separate from your plan coverage, so you’ll pay the discounted rate directly.
• 24/7 Health Information Line: You can call licensed nurses anytime, day or night, for health questions and guidance. This service gives immediate access to medical advice without waiting for an appointment or visiting an emergency room for non-urgent concerns.
• Nationwide Provider Access: You can see any doctor or hospital that accepts Medicare without needing referrals or worrying about network restrictions. This flexibility is especially valuable if you travel frequently or split time between multiple states.
• Guaranteed Renewable Coverage: Your policy can't be canceled as long as you pay your premiums on time, even if your health declines. This protection ensures continuous coverage regardless of changes to your medical condition.

Use the table below to find which plans are available in your state and see what pricing method Cigna uses in your area. Remember that plan availability and pricing structures affect both your initial premium and how your rates may change over time.

MoneyGeek collected data for all Medicare plans nationwide for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.