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. Monthly premiums for 65-year-olds range from about $162 to $269. Lower-cost options like Plan G ($162) and Plan N ($175) sit at or below national averages, while Plan C ($269) and Plan F ($252) run higher, reflecting their broader coverage.

Cigna's rates range from $203 to $318 per month for people aged 75. Plans B, C, D and N come in below the national average for this age group, while Plans A, F and G run above it. Cigna is best for seniors who want good coverage at a competitive price rather than the lowest premium.

Cigna offers benefits beyond standard Medigap coverage. These help you save money on health and wellness services.

• Premium Discounts: Cigna gives you a household discount of up to 7% when multiple members enroll. You get an extra 5% for completing your application online. This discount varies by state.
• Healthy Rewards Program: You save on fitness memberships, vision care, chiropractic services, weight loss programs, acupuncture, massage and hearing services.
• 24/7 Health Information Line: You get help from licensed nurses who are available anytime.
• Nationwide Provider Access: You don't need a referral and can see any Medicare-accepting doctor or hospital.
• Guaranteed Renewable Coverage: Your policy stays active provided you pay your premiums on time.

Find which plans are available in your state, and see what pricing method Cigna uses where you live.

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.