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Medicare Supplement Plan N Insurance Coverage

Ideal for customers looking for a lower monthly premium and predictable out of-pocket costs.

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

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Product Details

  • You will pay for copayments up to $20 for doctor visits (or up to $50 for emergency room visits).
  • You also pay the Medicare Part B annual deductible.
  • Plan N may be a good fit for you if you want a lower monthly premium, and are able to pay additional out-of-pocket expenses.

For all the details of Plan N coverage, review the policy coverage details below, or explore other Medicare Supplement plans.

Save with Cigna1

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

Medicare (Part A) Hospital Services–What Plan N Pays (Per Benefit Period2)


Semi-private room and board, general nursing, and miscellaneous services and supplies.

Skilled Nursing Facility Care2

Must have been in a hospital for at least 3 days and have entered a Medicare-approved facility within 30 days after discharge from the hospital.


Pain relief, symptom management, and support services for the terminally ill. You must meet Medicare’s requirements, including a doctor’s certification of terminal illness.


Medicare (Part B) Medical Services–What Plan N Pays (Per Calendar Year)

Medical Expenses

Includes expenses in or out of the hospital and outpatient hospital treatment, such as physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.

Part B Excess Charges

A doctor may charge an amount for services that exceeds what Medicare covers. This is called an “excess charge.” Medicare puts a 15% limit on the extra amount a doctor can charge.


Clinical Laboratory Services

Medicare (Parts A and B)–What Plan N Pays

Home Health Care Medicare-Approved Services

Durable Medical Equipment

Other Benefits Not Covered by Medicare–What Plan N Pays

Foreign Travel

Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.

Rates for Medicare Supplement Plan N

While the benefits of Medicare Supplement Plan N remain the same regardless of your insurance company (as mandated by the government), in some states the premium you pay may vary according to a number of factors, including age, location, gender, and overall health.

Cigna offers competitive rates and, in some states, premium discounts5 of up to 25% may be available for qualified applicants.

Programs and Services6

Healthy Rewards Program

Get discounts on health and wellness programs and services.

Health Information Line

Speak with a health advocate7 anytime 24 hours a day, 7 days a week.

Explore Other Medicare Supplement Plans

Medicare Supplement Plan G

Ideal for customers looking for extensive coverage, and a lower premium.

Medicare Supplement High Deductible Plan G

Same coverage as Plan G, but you pay the calendar year deductible.

Medicare Supplement Plan A

A little extra cost protection, beyond what Original Medicare covers.

Medicare Supplement Plan F

Extensive coverage and the lowest out-of-pocket costs.8

Medicare Supplement High Deductible Plan F

Same coverage as Plan F, but you pay the calendar year deductible.8

Compare Medicare Supplement Plans

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Questions about Eligibility and Enrollment? 

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

View Medicare Supplement eligibility

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Dental Plans

Other Supplemental Plans

View state disclosures, exclusions, and limitations

1 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 and Kentucky. In Maryland, North Carolina, Ohio, Pennsylvania, and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In New Mexico and Idaho, insured by Cigna Health and Life Insurance Company.

2 A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

3 NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time, the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

4 Once you have been billed $226 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year.

5 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.

6 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.

7 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.

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.

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


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 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. For residents of North Dakota, by applying online you save approximately 5%.

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.

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Medicare Advantage and Medicare Part D 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. 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: Oregon.

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.

In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.

Kansas Disclosures, Exclusions and Limitations


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 to another website, which may be a non-Cigna website.

Y0036_23_788405_M | Page last updated 10/01/2022.