Cigna Medicare Supplement Insurance helps to limit the out of pocket costs that Medicare Parts A and B don’t cover.
Cigna has been around for more than 200 years and the company headquarters are located in Bloomfield Connecticut. They’re a Fortune 500 company providing health services in more than 30 countries with over 180 million customers.
With more than 70,000 employees, they are dedicated to providing personalized service to meet the needs of their customers.
The History Of Cigna
The history of Cigna goes way back to 1792. The actual company name Cigna is a mix of letters from the merger of two companies Connecticut General Life Insurance Company (CG) and INA Corporation (INA).
Cigna has received several awards for demonstrating a high level of excellence in customer service. They have a long history of financial stability and are rated A “Excellent” by A.M. Best.
Cigna’s Family Of Companies
Other subsidiaries of Cigna are American Retirement Life Insurance Company, Cigna Health & Life Insurance Company, Cigna National Life Insurance Company and Loyal American Life Insurance Company. Cigna offers a variety of insurance related products, including Medicare Supplement and Medicare Advantage plans.
Benefits For Cigna Medicare Supplement Members
Their Medicare Supplement members receive extra health and wellness benefits. These benefits include access to over 10,000 fitness facilities nationwide. They also have a Home Fitness program for those who don’t want to go to the gym.
Additional discounts are offered through the Cigna Healthy Rewards program. This is a discount program to help you save on things such as weight loss and nutrition services, acupuncture and massage, vision and hearing discounts, and over the counter wellness items.
Cigna Medicare Supplement members also receive access to a 24 hour health information line where you can talk to a nurse 24 hours a day 7 days a week.
Cigna provides all these benefits to help their members maintain a healthy lifestyle.
Household Premium Discounts
Here at USA Medicare Plan we’ve always had a positive experience working with Cigna. Their customer service hold times are short and they process client applications applications quickly.
Cigna offers a competitively priced Medicare Supplement with up to a 7% premium household discount. Every state is different when it comes to the discount so give us a call to check availability and to get a free quote in your area.
The monthly cost of a Cigna Medicare Supplement Plan can vary and is based on age, location, and other factors. There are no networks and you can see any doctor or provider nationwide that accepts Medicare.
Cigna Medicare Supplement Insurance Plan Options
Cigna’s offers plans A, F, G and N. Their most popular Medicare Supplement plans are Plan G and Plan N.
Plan F benefits cover 100% of what Medicare doesn’t cover. There’s no deductible or out of pocket costs. The Plan F is only available to those were eligible for Medicare before January 1 2020.
Plan G and Plan N offer the same coverage for Medicare Parts A and B deductibles and coinsurance. Also Skilled nursing and rehab facility stays, hospice care, and foreign travel emergency.
With Plan G you’ll be responsible to pay the annual Medicare Part B deductible. This deductible re-sets every January and it can change from year to year. Once you meet the deductible, your medical cost are covered 100% for the remainder of the year.
With Plan N, You’ll also be responsible to pay the Part B deductible. Once you’ve met the Part B deductible for the year, you could have up to a $20 co-pay for primary or specialist office visits. Tele health visits, where you consult with a doctor over the phone, are not office visits, so there’s no co-pay for this service.
Another co-pay you could have with Plan N is if you go to the Emergency room. You could have up to a $50 co-pay. But if you’re admitted as an inpatient to the hospital, the co-pay is waived.
One other benefit that plan N doesn’t cover is Part B Excess Charges. Excess Charges are rare and we don’t see this happen very often. If you see doctors that accept Medicare Assignment, or Medicare as payment in full, then you won’t have to worry about Excess Charges.
Key Benefits Of Cigna Medicare Supplement Plans
- Here are some key benefits of Cigna Medicare Supplement plans.
- They cover the gaps that Medicare Parts A & B don’t cover.
- You have freedom to choose your Doctors.
- There are no networks. You can see any provider nationwide that accepts Medicare.
- Its portable coverage that follows you wherever you go, even Foreign Travel Emergency Coverage.
- It has a predictable cost. You have a set premium every month.
- They’re guaranteed renewable and your plan cannot be cancelled for any reason, as long as you continue to pay the premiums.
- You can switch plans at any time of the year, although you may have to qualify medically. And there’s no Annual enrollment.
To get a quote for a Cigna Medicare Supplement plan, give us a call and we can help you shop for the lowest rates in your area.
If you have questions on any of the plans, then give us a Call at (800) 783-5901 or Email us at Info@usamedicareplan.com. Our service is 100% FREE and we’re happy to help you.
