How Medicare Supplement Works

How Medicare Supplement Works

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

What Is Medicare Supplement Insurance?

Medicare Supplement Insurance is an insurance policy that supplements Original Medicare (Parts A and B). It helps pay for the portion of healthcare costs that Original Medicare doesn’t cover.

Medicare Supplement or Medigap

There is no difference between Medigap and Medicare Supplement Insurance. They are simply two different terms for the same type of insurance coverage. Please note that Medicare Supplement is NOT the same as Medicare Advantage. They are two separate insurance products.

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After the Part B Deductible has been met.

Coverage for costs not paid by Medicare

A Medicare Supplement Insurance policy (also called a Medigap plan) can help pay some of the health care costs and services that Original Medicare doesn't cover, such as copayments, coinsurance and deductibles. Medicare will pay its share of the Medicare-approved amount for covered health costs. Then your Medicare Supplement Insurance policy will pay its share.

To view Medicare Supplement plan details, use the Compare Plans chart.

Medicare Supplement plans do not include prescription drug coverage or dental coverage, but you may choose to add those plans separately.

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Benefits of Medicare Supplement Insurance

A Medicare Supplement Insurance policy gives you the freedom to choose any doctor or hospital that accepts Medicare—no network restrictions. And, your coverage is guaranteed renewable for life.**

Learn more about the benefits of Medicare Supplement Insurance

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

Buying Medicare Supplement Insurance

Get a Free Quote

Find out what your monthly premium could look like with Cigna's competitive rates

or call

1-855-817-3609

Mon-Fri 8:30am - 8:30pm ET

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: 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.