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

At $175 for a 65-year-old, HealthSpring’s Plan N undercuts the $188 national Plan N average by $13. In HealthSpring’s 11 community-rated states, Plan N buyers avoid age-based increases, though their state rate can differ from the $175 national figure. Within HealthSpring’s lineup, Plan G at $162 costs $13 less than Plan N at national averages and covers more.

HCSC Medicare & Supplemental Group's AM Best A (Excellent) rating, affirmed January 2026, backs HealthSpring's ability to pay claims on a policy held 20 years or more. Service is weaker. Cigna's 2022 to 2024 NAIC complaint index of 1.42 means 42% more complaints than expected for its market share.

HealthSpring's Plan N costs $13 below the national Plan N average at 65, and its discounts can bring Plan G to $143 a month. Full-price Plan G costs $11 above average, so HealthSpring suits Plan N shoppers and discount-eligible Plan G buyers more than full-price Plan G buyers.

HealthSpring sells seven Medigap plan letters, but most states carry four: A, F, G and N. Each letter pays a fixed set of the deductibles, coinsurance and copays Original Medicare leaves to you. Benefits for each letter are identical no matter which carrier sells it. For people new to Medicare, HealthSpring's $162 Plan G is both its cheapest standard plan nationally and its most comprehensive option.

• Plan G: HealthSpring's cheapest standard plan nationally costs $162 a month for a 65-year-old, $11 above the $151 national Plan G average. It covers every Medigap benefit except the $283 Part B deductible, including Part B excess charges, the up to 15% some doctors bill above Medicare's approved amount. It's the most popular Medigap plan in the country.
• Plan F: HealthSpring charges $252 a month, $9 above the $243 national Plan F average and $90 more than Plan G ($1,080 a year) to cover the one cost Plan G leaves, the $283 Part B deductible. Only people eligible for Medicare before January 1, 2020, can buy it.
• Plan N: HealthSpring charges $175 a month, $13 below the $188 national Plan N average but $13 more than HealthSpring's Plan G. It covers the Part A deductible and skilled nursing coinsurance, the $217 a day Medicare charges for skilled nursing days 21 to 100 in 2026. The Part B deductible and excess charges stay with you, and copays of up to $20 per doctor visit and $50 per emergency room visit without admission apply. Plan N costs less than Plan G in some states, such as Alabama, where it's $55 cheaper.
• Plan A: HealthSpring charges $237 a month, $20 above the $217 national Plan A average and $75 more than Plan G for less coverage. Plan A pays Part A coinsurance, up to 365 extra hospital days and Part B coinsurance, and leaves the Part A and Part B deductibles, skilled nursing coinsurance and excess charges to you. Nationally, Plan A also costs $66 more than Plan G.
• Plan B: Pennsylvania only, at $205 a month, $48 below the $253 national Plan B average. It adds the $1,736 Part A deductible to Plan A's benefits, a cost you pay once per benefit period, which ends after 60 days in a row out of a hospital or skilled nursing facility. Pennsylvania buyers who expect a hospital stay get that deductible covered, which Plan A leaves to them.
• Plan C: New Jersey only, for people eligible for Medicare before January 1, 2020. At $269, HealthSpring's most expensive plan nationally is $29 below the $298 national Plan C average. It covers both Part A and B deductibles, skilled nursing coinsurance and foreign travel emergency care. Part B excess charges stay with you.
• Plan D: HealthSpring charges $218 a month, $25 below the $243 national Plan D average, in select states including New Jersey. It covers the Part A deductible, skilled nursing coinsurance and foreign travel emergency care. The Part B deductible and excess charges stay with you.

High-Deductible Plans G and F

HealthSpring sells high-deductible Plans G and F in select states, with standard Plan G and F benefits after a yearly deductible in exchange for lower monthly premiums.

HealthSpring's national average standard Medigap premiums for a 65-year-old range from $162 for Plan G to $269 for Plan C. State rates can fall above or below those figures, such as $301 for Plan F in Alabama.   

Every Medigap premium comes on top of the 2026 Medicare Part B premium of $202.90 a month, which you pay whichever plan you pick. Original Medicare pays the same share under every plan letter, and the letter changes your Medigap premium and your out-of-pocket costs.

HealthSpring's Plan N at $175 is $13 below the $188 national Plan N average at 65, and it's the only one of the four plans most states carry (A, F, G and N) priced below average. Plans B, C and D are further below their averages but are sold in only a few states. HealthSpring's $162 Plan G is its cheapest standard plan nationally, $11 above the $151 national Plan G average. HealthSpring's premiums below are averages across the states where it sells each plan, with each plan's dollar difference from its national average.

HealthSpring’s Plan A costs $75 more a month than its Plan G and covers less. The same gap shows up market-wide: the $217 national Plan A average is $66 above the $151 national Plan G average. New enrollees get HealthSpring’s lowest standard premium nationally and most coverage with Plan G.

HealthSpring's Plan G costs $203 at 75, $41 more than its $162 rate at 65, and Plan N costs $227, $52 more. Both figures are national averages of today's rates for buyers at each age. They include HealthSpring's 11 community-rated states, where age doesn't raise premiums, so attained age states can show a larger increase.

HealthSpring's difference from the national average stays the same from 65 to 75 for every plan in MoneyGeek's current rate data. Plan G is $11 above average at both ages and Plan N is $13 below, because HealthSpring's Plan G rises $41, the same as the national Plan G average ($151 to $192).   

HealthSpring's Plan N buyers at 75 get the same $13 edge as 65-year-olds, and Plan G buyers at 75 pay the same $11 more.

HealthSpring's household and online enrollment discounts together cut Plan G from $162 to $143 a month at 65, a $19 monthly saving or $228 a year. The discounted $143 rate is $8 below the $151 national Plan G average, compared with $11 above it at full price, though the average doesn't count discounts other carriers offer. Discount availability and size vary by state, so confirm both apply where you live.

Plan G covers the same costs at every carrier, so compare HealthSpring's Plan G quote with other carriers' quotes at both 65 and 75, and check each carrier's pricing method. HealthSpring's Plan G rises $41 between those ages in its national averages.   

A community-rated carrier that quotes more than HealthSpring at 65 won't raise its premium because of age, so its premium at 75 can be lower than an attained age carrier's.

HealthSpring sells Medicare Supplement plans in 43 states plus Washington, D.C., with Plans A, F, G and N in most states. Its pricing method changes by state. Arizona, Arkansas and California are among its 11 community-rated states, where premiums don't rise with age, while Alabama, Alaska and Colorado use attained age pricing. Minnesota, Wisconsin and Massachusetts use their own Medigap plan structures instead of the standard lettered plans.

MoneyGeek collected rate data for all Medigap plans listed on Medicare.gov's plan browsing tool nationwide, the basis for the national averages in the cost table above. The table below shows HealthSpring's plan letters and pricing method in each state.

HealthSpring adds benefits beyond standard Medigap coverage. Its household and online discounts cut Plan G from $162 to $143 a month, about 12%. Its Healthy Rewards program discounts wellness services Medicare doesn’t cover.

• Premium Discounts
  HealthSpring's household discount applies when multiple adults in the same home enroll. A separate discount applies for completing your application online. Together, these can reduce a $162 Plan G premium to $143 a month for eligible buyers. Discount availability and size vary by state.
• Healthy Rewards Program
  HealthSpring members get discounts on services Medicare doesn't cover. That includes fitness memberships, vision care, chiropractic services, hearing services, weight loss programs, acupuncture and massage. These aren't insurance benefits and availability varies by state and plan.
• 24/7 Health Information Line
  HealthSpring members can reach a licensed nurse by phone at any time. This line answers health questions between doctor visits. Claims and policy questions go to the number on your member ID card.

Note: Like all Medicare Supplement plans, HealthSpring can end your coverage only if you stop paying your premium, your application wasn't truthful or the insurer goes out of business.

HealthSpring's rates, plan letters and pricing method vary by state. Filter by state and age to see what it charges where you live.

HealthSpring is the new brand for Cigna's Medicare business, which Health Care Service Corporation (HCSC) acquired in March 2025. HCSC operates Blue Cross Blue Shield plans, and its Medicare Supplement group holds an AM Best A (Excellent) rating, affirmed January 2026. Existing Cigna Medigap policyholders keep the same coverage and benefits. 

MoneyGeek's Medicare.gov data shows HealthSpring Medigap plans in 43 states plus Washington, D.C., with none in states including Massachusetts and New York. CMS gave one HealthSpring Medicare Advantage contract a Low Performing Icon for 2026 for consistently low quality ratings. The label covers Medicare Advantage only, and Medigap plans have no CMS star ratings.

Medigap plans are federally standardized, so HealthSpring's Plan G covers the same costs as any carrier's Plan G. Premiums, pricing methods and discounts differ, so compare each quote with HealthSpring's $162 Plan G and $175 Plan N at 65.

UnitedHealthcare Medicare Supplement 
UnitedHealthcare sells Medigap in all 50 states, seven more than HealthSpring's 43 in MoneyGeek's data. Buyers who want Plan B, C or D outside Pennsylvania or New Jersey should check its rates.

Blue Cross Blue Shield Medicare Supplement 
Blue Cross Blue Shield sells Medigap through regional companies, so prices and plan letters vary more by state than HealthSpring's. In MoneyGeek's data, BCBS's Plan G averages $170 at 65, $8 more than HealthSpring's $162. BCBS also sells cost-sharing Plans K, L and M, which HealthSpring doesn't, so buyers who want those plans should get their local company's quote.

Humana Medicare Supplement 
Humana's Plan G averages $170 at 65 and $202 at 75 in MoneyGeek's data, $8 more and $1 less than HealthSpring's $162 and $203, so attained age buyers should compare both carriers at each age. 

Aetna Medicare Supplement 
Aetna's Plan G averages $144 at 65 and $169 at 75 in MoneyGeek's data, $18 and $34 below HealthSpring's $162 and $203. Price-focused Plan G buyers in states both carriers serve should quote Aetna first.

Transamerica Medicare Supplement 
Transamerica's Plan G averages $238 at 65 and its Plan N $193 in MoneyGeek's data, $76 and $18 above HealthSpring's $162 and $175. Transamerica sells all 10 plan letters in most of its 45 states and uses issue age pricing in states such as Texas and Iowa, so buyers who want Plans K, L or M, or a rate that won't rise because of age, should compare it.

Anthem Medicare Supplement 
Anthem sells Plan G in 11 states. In MoneyGeek’s data, Anthem’s Plan G averages $218 a month at 65 and $273 at 75 across those states. HealthSpring’s Plan G costs less on average, at $162 and $203, a difference of $56 a month at 65 and $70 at 75.   

Anthem’s Plan N averages $198 at 65, $23 more than HealthSpring’s $175. Anthem’s cheapest Plan G is in Ohio, at $160 a month at 65. HealthSpring doesn’t sell Plan N in Ohio or offer its online discount there, so Ohio buyers shopping for Plan G should get a quote from Anthem.

MoneyGeek collected Medicare Supplement rates for every plan listed on Medicare.gov's plan browsing tool nationwide, for ages 65 and 75. Unless otherwise noted, figures are for 65-year-olds, and plan premiums are HealthSpring's averages across the states where it sells each plan.

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 to pricing styles that are more stable and equitable. Community pricing scored 1.0, issue age pricing scored 0.8 and attained age pricing scored 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.