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Compare Medicare Supplement Insurance Plans

Plans that help pay deductibles, copays, and coinsurance—out-of-pocket costs Original Medicare doesn’t cover.

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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Find a Medicare Supplement Plan That's Right for You

A Medicare Supplement Insurance plan, also called a Medigap plan, is a separate policy that supplements your coverage from Original Medicare Part A and Part B.

When comparing Medicare Supplement Insurance plans, it’s important to note that the government decides what benefits each plan offers, so coverage remains the same across all companies. For example, the basic benefits you’ll receive if you purchase Medicare Supplement Plan G from Cigna are the exact same basic benefits you’ll receive if you purchase a Medicare Supplement Plan G from a different insurance company.

Before you compare plans, you might find it helpful to review the basics of Medicare Supplement Insurance and eligibility and enrollment information.

Why choose Cigna?

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

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 services2

Healthy Rewards offers discounts on health and wellness programs and our Health Information Line gives you 24/7 phone access to a health advocate.3

Compare Medicare Supplement Plans and Coverage

Minnesota and Wisconsin Residents

Minnesota specific plan information

Wisconsin specific plan information

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Questions about Eligibility and Enrollment?

Retiring at 65? Not retiring until later? Find out when and how you can enroll, how to switch plans, and when is the ideal time to enroll in a Medicare Supplement policy.

View Medicare Supplement eligibility

View state disclosures, exclusions, and limitations

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 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.

3 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.

4 Product availability varies by state and company–get an online quote or call to confirm which plans are available in your state, and to verify complete coverage benefits.

5 Only applicants eligible for Medicare before January 1, 2020, may purchase Plans F, and high-deductible F. Plans F and high-deductible F will not be available to applicants who are newly eligible for Medicare on or after January 1.

6 High Deductible F pays the same as Plan F and requires payment of your costs (coinsurance, copayments, deductibles) for Medicare approved expenses up to the current calendar year deductible amount before the policy pays any benefits. The Medicare deductible changes each year, per Centers for Medicare & Medicaid Services (CMS) guidelines.

7 Plan N pays 100% of the Part B coinsurance, except for a copayment not to exceed $20 for some office visits and a $50 copayment for emergency room visits that don’t result in an inpatient admission.

*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.

Note: If you have been denied coverage by another company due to certain medical conditions, we may be able to cover you. Call  to learn more and see if you qualify.

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-FindPlan2022

Learn More

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.

Medicare Supplement Insurance Plan

Medicare Supplement Plans in Minnesota

Medicare Part A Deductible

Within each benefit period, for your first 60 days of hospital services, Medicare will cover all services after the Part A deductible cost has been reached. (You are responsible for the deductible cost unless you have a Medicare Supplement insurance plan that covers it.)

Medicare Part A Coinsurance and Coverage for Hospital Benefits

Applies to days 61-150 of your stay in the hospital. (Coinsurance is the portion of costs you pay after you’ve paid your deductible.)

Medicare Part A Coinsurance and Coverage for Hospital Benefits

Medicare pays all eligible expenses for your first 20 days in the facility. From day 21-100, you are responsible for coinsurance, or a portion of the cost (unless you have a Medicare Supplement insurance plan that covers it).

Hospice Care Coinsurance or Copayment

Medicare pays all but very limited copayment/coinsurance for outpatient drugs and inpatient respite care. A copayment is the amount you pay for each medical service. For example, a Physician’s Visit. Coinsurance is the percent of the Medicare approved amount that you have to pay after you pay the deductible for Part A and/or Part B.

Blood (first 3 pints)

First 3 pints per calendar year.

Medicare Part B Deductible

The annual deductible, an amount you pay before Medicare benefits will kick in to cover physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.

Medicare Part B Coinsurance or Copayment

Includes coverage for doctor's services and supplies. A copayment is the amount you pay for each medical service. For example, a Physician’s Visit. Coinsurance is the percent of the Medicare approved amount that you have to pay after you pay the deductible for Part A and/or Part B.

Medicare Part B Excess Charges

A doctor may charge an amount for services that exceeds what Medicare covers. The charged amount that exceeds Medicare coverage is called an excess charge. Medicare limits the extra amount a doctor can charge to 15%. You are responsible for excess charges unless you have a Medicare supplement plan that covers them.

Foreign Travel Emergency (up to plan limits)

Plans that include this benefit cover 80 percent 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.

Additional Programs and Savings offered by Cigna2

Programs and services offered at no additional cost to you, as part of a Cigna Medicare Supplement plan. Cigna Healthy Rewards® and Health Information Line are just 2 examples of additional no-cost programs and savings you receive with a Cigna Medicare Supplement insurance plan.

Additional Programs and Savings offered by Cigna2

Programs and services offered at no additional cost to you, as part of a Cigna Medicare Supplement plan. Cigna Healthy Rewards® and Health Information Line are just 2 examples of additional no-cost programs and savings you receive with a Cigna Medicare Supplement insurance plan.

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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 .