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

Cigna's Medicare Supplement plans cover gaps in Original Medicare across seven standardized options, though availability varies by state. Each plan has different coverage levels, so you can choose one that fits your health care 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. Plan B is the right fit when you want more than Plan A's basic coverage but aren't ready to pay for full out-of-pocket protection.
• 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. 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. 

We collected rate data for all available Medigap plans nationwide using Medicare.gov's plan browsing tool, covering every carrier that files rates in each state, which is how Cigna's pricing compares against the national averages shown in the cost table below.

Plan G is Cigna's lowest-cost plan at 65 at $162 per month, while Plan C at $269 is the highest. Cigna Medicare Supplement costs vary by the plan you choose and your age at enrollment. Monthly premiums for 65-year-olds range from $162 to $269. Lower-cost options like Plan G ($162) and Plan N ($175) are the most affordable plans at 65, though Plan G runs $11 above the national average and only Plan N, at $13 below it, beats the field. Plan C at $269 and Plan F at $252 are the priciest options. Both cover the Part B deductible, which Plan G and Plan N do not.

At 75, the rate that matters most for most buyers isn't the cheapest plan on the list. Plan G is $203 per month at 75, $41 more than at 65. That gap compounds for buyers who enrolled under attained age pricing and didn't account for it. Plan B at $249 is the strongest performer relative to the national average at this age, comes in $48 below it. But Plan B is only available in Pennsylvania. For most buyers at 75, the more useful comparison is to run the same plan against a community-rated carrier in your state.

Cigna includes wellness benefits not found in the standard Medigap coverage terms. The premium discounts reduce your monthly cost by up to 12% and the Healthy Rewards program cuts out-of-pocket spending on 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.

The household and online enrollment discounts together bring a $162 Plan G premium down to $143 per month for eligible households. That $19 difference adds up to $2,280 over 10 years. Most Medigap carriers offer a household discount, but the online enrollment discount is less common and worth checking if you apply digitally.

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

Plan G costs $162 per month at age 65, making it Cigna’s lowest-priced plan at that age, though it still runs $11 above the national average. Plan N costs $175 per month, $13 below average.

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.