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Find a Medicare Supplement Plan 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. Medicare Supplement insurance helps protect you against high out-of-pocket costs by helping pay for eligible health care expenses that Medicare does not pay for. (Note: Plan availability varies by state and company.)
Why choose a plan from Cigna?
We’ll help you understand the ins and outs of Medicare Supplement Insurance to help you feel confident in your coverage. With our plans, you’ll receive great value, choice, and reliability.
Medicare Supplement Plans and Coverage2
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 F from Cigna are the exact same basic benefits you’ll receive if you purchase a Medicare Supplement Plan F from a different insurance company.
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 Medicare Supplement Plans
Medicare Supplement Plan G
Ideal for customers looking for the most coverage, with a lower premium.
Medicare Supplement Plan N
Lower monthly premium, and predictable out-of-pocket costs.
Medicare Supplement Plan A
A little extra cost protection, beyond what Original Medicare covers.
Medicare Supplement Plan F
The most coverage and the lowest out-of-pocket costs.
Medicare Supplement High Deductible Plan F
Same coverage as Plan F, with a lower monthly premium. Coverage kicks in after you pay the calendar year deductible.
1Insured 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, Medicare Supplement insurance policies are insured by Cigna Health and Life Insurance Company. American Retirement Life Insurance Company, Loyal American Life Insurance Company and Cigna National Health Insurance Company plans are not available to residents of Kansas.
2 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.
3 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.
4 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.
5 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.
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.
Note: If you have been denied coverage by another company due to certain medical conditions, we may be able to cover you. Call 1 (855) 809-1285 to learn more and see if you qualify.
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: CHLIC-MS-AA-A-TN; Plan F: CHLIC-MS-AA-F-TN; Plan High Deductible F (HDF): CHLIC-MS-AA-HDF-TN; Plan G: CHLIC-MS-AA-G-TN; and Plan N: CHLIC-MS-AA-N-TN