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Medicare Supplement Insurance Policies

Plans that help pay some out-of-pocket costs that Original Medicare doesn't.


Save with Cigna1: Up to 25% in discounts available when you apply with us.

Shop and compare Medicare Supplement policies now

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Save up to 25%: 20% in premiums, plus 5% if you apply online. Learn more

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Why choose Medicare Supplement Insurance?

Pays what Medicare doesn't

Plans that help pay deductibles, copays, and coinsurance.

No networks

Choose any doctor or hospital that accepts Medicare, no referrals required in most cases.2

Freedom to travel

Know you’re covered anywhere in the U.S. and, with some plans, for medical emergencies abroad.3

Guaranteed renewable for life

Feel secure knowing your policy cannot be canceled.4

Medicare Supplement Plan Options

You could save up to 25% with Cigna, including a premium discount of up to 20% plus an additional 5% if you apply online. Learn more

 

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Online Enrollment Discount
State variations apply. Discount not available in CT, DC, FL, ID, MA, MN, NE, NJ, NY, OH, OR, VA. To qualify for the online discount, you must be a new Medicare Supplement policy holder with Cigna*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at Cigna.com to qualify for the discount. If you do not complete the entire application online, and/or call to have an agent submit your application by phone, you will not qualify to receive the online discount. If your spouse is added at the time of application, they are also eligible to receive the online discount per the same terms. Discount qualification determined by Cigna. If you qualify, the 5% discount will remain in effect for the life of the policy.

Premium Discount
State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.

*Insured by Cigna Health and Life Insurance Company, Cigna National Health Insurance Company, American Retirement Life Insurance Company, and Loyal American Life Insurance Company.

Plan G

Extensive coverage, competitive premiums You pay the Medicare Part B annual deductibleGood fit if you prefer a lower premium and can pay the Part B deductible

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Plan N

Lower monthly premiums, predictable out-of-pocket costs You pay up to $20 copays for doctor’s visits (up to $50 for ER visits)Good fit if you prefer to pay a lower premium vs. covered out-of-pocket costs

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Plan A

Additional coverage for costs not covered by Original Medicare You pay the Part A (Hospital) and Part B (Medical) deductibles Good fit if you need a little extra cost protection, beyond Original Medicare

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Plan F*

Extensive coverage and the lowest out-of-pocket costs of all plans Plan pays the Part B (Medical) calendar year deductibleGood fit if you expect higher health care expenses

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High Deductible Plan F*

Same coverage as Plan F but you pay the calendar year deductible Lower monthly premiums than most other plans Good fit if you expect lower health care expenses

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Compare plans side-by-side

There are costs and coverage for all lifestyles and needs.

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* Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.

Medicare Supplement Plans Available to Minnesota Residents

Why choose Cigna?

Competitive rates

Enjoy competitive premiums without compromising your coverage. In some states premium discounts** of up to 25% may be available for some applicants.

Dependable service

Cigna is dedicated to helping people improve their health, well-being, and sense of security.

No additional cost programs and services5

Healthy Rewards offers discounts on health and wellness programs and our Health Information Line gives you 24/7 phone access to a health advocate.6

VIDEO

Medicare Supplement: Why Cigna?

Watch this short video to see the perks of choosing a policy through Cigna. (Length: 00:02:11)

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Medicare Supplement: Why Cigna?

When are you eligible for a Medicare Supplement policy?

  • If you're 65 or older and enrolled in a Medicare Part B plan you can enroll at any time.
  • During your 6-month open enrollment, which begins the first day of the month after you turn 65 and are enrolled in Part B. During this time you cannot be turned down for coverage.
  • In some states, if you're younger than 65 and qualify for Medicare due to a disability, you may be also be eligible.

Learn more about Medicare Supplement eligibility

Often bought together

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View state disclosures, exclusions, and limitations

**State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.

Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company, Loyal American Life Insurance Company or Cigna National Health Insurance Company. In Kansas, insured by Cigna National Life Insurance Company, Cigna Health and Life Insurance Company and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas. In Pennsylvania, Maryland North Carolina and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In New Mexico, Idaho and Ohio, insured by Cigna Health and Life Insurance Company. 

2 In some cases, a referral is required by Medicare. Choose any doctors who accept Medicare.

Foreign Travel Emergency. Plans that include this benefit cover 80% of medically necessary emergency care received outside of the U.S., which began during the first 60 days of each trip, after you pay a $250 deductible per calendar year, not to exceed the lifetime maximum of $50,000.

Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance. The company reserves the right to increase premiums on a class basis.

5 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.

6 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.

View Kansas disclosures, exclusions, and limitations

Notice for persons eligible for Medicare because of disability:

In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.

Tennessee Medicare Supplement Policy Forms

Plan A: CNHIC-MS-AA-A-TN; Plan F: CNHIC-MS-AA-F-TN; Plan G: CNHIC-MS-AA-G-TN; Plan N: CNHIC-MS-AA-N-TN.

MS-SITE-Home2022

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Customer Plan Links

Choosing a Medicare Plan Community Resources Disaster Policy Enrollment and Eligibility Filing a Grievance Medicare Appeals Process and Exceptions Medicare Coverage Decisions Medicare Disenrollment Organization Determination Pre-Enrollment Disclaimers

Other Cigna Websites

Leon Medical Centers Health Plans Texas Medicaid STAR+PLUS Texas Medicare-Medicaid Plan

Audiences

Individuals and Families Medicare Employers Brokers Providers About Cigna

Solutions for

Health Care Providers Pharmacists Pharmacy Residents Group Plans

Medicare Links

Medicare.gov Medicare Ombudsman Medicare Complaint Form

 Cigna. All rights reserved.

Privacy Legal Medicare Supplement State Disclosures Customer Rights Accessibility Notice of Non-Discrimination Language Assistance [PDF] Report Fraud Sitemap

Medicare Advantage Policy Disclaimers

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All clinical products and services of the LivingWell Health Centers are either provided by or through clinicians contracted with HealthSpring Life & Health Insurance Company, Inc., HealthSpring of Florida, Inc., Bravo Health Mid-Atlantic, Inc., and Bravo Health Pennsylvania, Inc. or employees leased by HS Clinical Services, PC, Bravo Advanced Care Center, PC (PA), Bravo Advanced Care Center, PC (MD) and not by Cigna Corporation. The Cigna name, logos, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.

Cigna contracts with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in Cigna depends on contract renewal.

Medicare Supplement Policy Disclaimers

Medicare Supplement website content not approved for use in: Minnesota, Missouri, North Carolina, North Dakota, Oregon, Virginia.

AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.

Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by Cigna National Health Insurance Company, Cigna Health and Life Insurance Company, American Retirement Life Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.

The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.

This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.

American Retirement Life Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company do not issue policies in New Mexico.

Kansas Disclosures, Exclusions and Limitations

Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS

Exclusions and Limitations:

The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:

(1) the Medicare Part B Deductible;

(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;

(3) any services that are not medically necessary as determined by Medicare;

(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;

(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;

(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or

(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website.

Y0036_22_101121_M | Page last updated 06/01/2022 .