by Russell Noga | Updated November 5th, 2025

Cigna Medigap Plans 2026 – View Plans & Rates

Want to know about Cigna Medigap plans 2026 view plans rates and their rates? This article covers the available plans, their benefits, and how the costs vary based on different factors. Get the details you need to choose the right plan.

 

Key Takeaways

• Cigna offers a variety of Medigap plans for 2026, including Plans A, F, G, and N, each designed to address different healthcare needs and budget levels.

 

• Plan G is the most comprehensive option, covering a wide range of medical expenses with the requirement to meet the annual Medicare Part B deductible, while Plan N provides lower premiums with some out-of-pocket costs.

 

• Cigna’s Medigap plans feature discounts of up to 25% and a straightforward enrollment process, though its premiums are typically higher compared to competitors, which may impact accessibility.

 

Overview of Cigna Medigap Plans for 2026

Cigna offers a range of standardized Medicare Supplement plans for 2026, ensuring that there is an option to suit various healthcare needs and budgets. The primary plans include:

• Plan A

 

• Plan F (and its high-deductible version)

 

• Plan G

 

• Plan N

 

Each plan is designed to fill the gaps left by Original Medicare, providing beneficiaries with additional coverage for deductibles, coinsurance, and copayments.

Plan F is renowned for its extensive coverage with minimal out-of-pocket costs, making it a favorite among those seeking comprehensive protection. On the other hand, Plan G offers similar benefits but requires beneficiaries to pay the Medicare Part B deductible. This plan is ideal for those anticipating significant healthcare expenses.

For those with minimal medical needs, Plan A provides a basic level of protection. This plan covers some costs that Original Medicare does not, although it requires members to pay the deductibles for both Part A and Part B of Medicare, making them eligible for medicare.

Overall, Cigna’s Medicare Supplement plans offer enhanced value for members, distinguishing them from many competitors.

 

Comprehensive Coverage with Plan G

Plan G stands out as a popular choice for those who anticipate higher healthcare expenses but are willing to pay the Medicare Part B annual deductible upfront. This plan mirrors Plan F in its comprehensive coverage, making it a robust option for comprehensive healthcare needs.

Under Plan G, beneficiaries are covered for outpatient treatments, physician services, and durable medical equipment. This extensive coverage ensures that out-of-pocket costs are significantly reduced, providing financial security and peace of mind.

Additionally, Plan G includes coverage for hospital benefits and foreign travel emergency medical situations while traveling abroad, subject to a lifetime maximum benefit.

The comprehensive nature of Plan G is designed to protect against significant out-of-pocket costs for medical services, making it an attractive option for many Medicare beneficiaries. Plan G offers a wide range of medicare benefits with the requirement to meet the annual Part B deductible.

 

Balanced Benefits with Plan N

Plan N offers a balanced approach for those who prefer lower monthly premiums while accepting some out-of-pocket costs. This plan includes copayments for certain doctor visits and emergency room visits, making it a middle-ground choice between cost and coverage.

Plan N coverage details include:

• A copayment of up to $50 for emergency room visits, which is waived if the patient is admitted to the hospital.

 

• The deductible for Medicare Part B must be met before the policy covers expenses.

 

• After the deductible is met, Plan N covers 100% of Medicare-approved expenses, except for specific copayments, including part b coinsurance.

 

This plan is ideal for those who want predictable costs without high premiums.

 

High-Deductible Options: Plan G and Plan F

For individuals looking for lower monthly premiums, Cigna offers High-Deductible Plan G and Plan F. These plans provide the same coverage as their standard counterparts but with a higher deductible and lower premiums.

High-Deductible Plan G offers the same comprehensive benefits as standard Plan G but requires meeting a specified deductible before benefits apply.

High-Deductible Plan F also includes comprehensive protection with lower monthly premiums and a higher deductible. However, eligibility for these high-deductible plans is limited to certain states, affecting their availability.

 

Basic Protection with Plan A

Plan A provides minimal supplemental coverage, making it a suitable option for individuals with limited healthcare needs who prefer lower premium costs. While this plan requires members to pay the deductibles for both Part A and Part B, it serves as a safety net, covering some costs that Original Medicare does not.

 

Cigna Medigap Plan Rates for 2026

Cigna’s Medigap premiums vary significantly based on factors such as age, location, and gender. Although Cigna offers competitive rates, their premiums are generally higher than the lowest-cost alternatives in the market.

However, the enhanced value and comprehensive coverage provided by Cigna’s plans often justify the cost.

In 2026, Cigna offers discounts of up to 25% on its premiums, including a 7% household discount for multiple members residing at the same address. These savings opportunities can make Cigna’s Medigap plans more affordable for many beneficiaries, despite the higher premiums.

Geographic location plays a crucial role in determining the premium costs, as rates can differ significantly from state to state. Age and gender are also important factors, with older individuals and males generally facing higher premiums compared to younger individuals and females.

 

Discounts and Savings Opportunities

Cigna offers a variety of discounts aimed at reducing the overall costs for policyholders. New policyholders who have not held a Cigna policy in the past 90 days and complete the application process online can receive an online enrollment discount of 5%.

Additionally, premium discounts of up to 25% may be available in certain states, depending on the enrollment method chosen by the applicant.

A household discount of up to 7% is available for multiple members residing at the same address, with additional spousal discounts available exclusively in Washington state. These discounts and savings opportunities make Cigna’s Medigap plans more accessible and affordable for a wider range of beneficiaries.

 

Enrollment Process for Cigna Medigap Plans

Enrolling in a Cigna Medicare Supplement plan is a straightforward process:

• Visit the Cigna healthcare websites Medicare.

 

• Enter your ZIP code.

 

• Review the available options tailored to your location.

 

• Complete the application by providing your Medicare card details and answering any necessary questions.

 

The enrollment process typically occurs during the Medicare Open Enrollment Period or Special Enrollment Periods. For questions or assistance, Cigna’s customer service team is available to help guide you through the process.

 

Comparing Cigna Medigap Plans to Competitors

Cigna’s Medigap plans stand out in various ways compared to competitors like Humana, Anthem Blue Cross, and Aetna. While Cigna’s Medigap plans offer four distinct Medigap plans to cater to different healthcare needs, each competitor brings its own unique strengths to the table.

The following subsections compare Cigna’s plans to those offered by Humana, Anthem Blue Cross, and Aetna.

 

Cigna vs. Humana

Cigna and Humana both offer a range of standardized medigap plans designed to meet different healthcare needs:

• Cigna provides digital enrollment savings for customers who apply online, incentivizing online applications.

 

• Cigna offers fewer plan options than Humana.

 

• The variety of plans available from Cigna caters to a broad spectrum of preferences and needs.

 

Humana, on the other hand, is known for its extensive coverage options and competitive pricing. However, Cigna’s focus on digital enrollment savings and tailored plan options gives it an edge in specific areas.

 

Cigna vs. Anthem Blue Cross

Anthem Blue Cross offers a pricing model with more flexible options for discounts based on different customer criteria.

Their plans are frequently praised for competitive premiums and extensive coverage options that appeal to a broader audience. Cigna’s rates may still be higher compared to its competitors, despite government regulations ensuring consistent coverage.

Cigna’s higher rates might limit accessibility despite their plans complying with coverage standards. However, Anthem Blue Cross’s flexible discount options make their plans more affordable for many beneficiaries.

 

Cigna vs. Aetna

Cigna offers more transparent long-term cost projections compared to Aetna. This transparency helps beneficiaries plan their healthcare expenses more effectively. However, Aetna’s online quote system is particularly efficient, providing quick and accurate estimates for potential policyholders.

Both companies offer robust coverage options, but Cigna’s focus on transparency and long-term planning helps beneficiaries manage their healthcare costs more effectively.

 

Additional Perks with Cigna Medigap Plans

Cigna’s Medigap plans come with additional perks that enhance the overall value for members, including medigap plan benefits. The Healthy Rewards program offers discounts on wellness services and products, including gym memberships and vision care.

These health and wellness programs promote overall wellness and can lead to a healthier lifestyle for members.

Cigna provides 24/7 access to a health information line, connecting members with trained health advocates. Members also have access to licensed nurses for health consultation services around the clock.

These perks make Cigna’s Medigap plans more attractive by offering added convenience and support, including Cigna national health insurance.

 

Evaluating Customer Satisfaction and Service Quality

Customer satisfaction and service quality are crucial factors when choosing a Medigap plan. Unfortunately, Cigna’s customer service ratings are often lower than those of its competitors, impacting overall satisfaction.

The average complaint rate for Cigna’s Medicare plans is 42% above the average for Medigap insurers, indicating a higher frequency of complaints compared to the industry norm.

Limited plan selection and above-average complaint rates are key considerations when choosing Cigna’s Medicare Supplement Insurance. Customer feedback indicates that these factors significantly influence decision-making.

 

Financial Stability of Cigna

Cigna’s financial highlights for 2023 include:

• Total revenues of $195.3 billion, demonstrating the company’s strong financial position.

 

• Shareholders’ net income of $5.2 billion, equating to $17.39 per share.

 

• A 12% revenue growth in Q4 2023 compared to the same quarter in the previous year.

 

In 2023, Cigna repurchased about 7.8 million shares of its common stock, totaling approximately $2.3 billion. The company expects its adjusted income from operations for 2024 to exceed $8.025 billion.

Despite being classified as a mid-sized player in the Medigap market, Cigna’s financial stability is evident from its strong revenue growth and strategic stock repurchases.

Cigna’s financial and operational highlights include:

• Approximately 82.2% of its Medigap premiums are allocated to member benefits, providing good value for policyholders.

 

• The adjusted SG&A expense ratio for Q4 2023 was 7.4%, a slight improvement from the previous year’s 7.6%.

 

• The debt-to-capitalization ratio was 40.1% at the end of 2023, indicating robust financial health and continued support for policyholders.

 

Cigna Medigap Plans Availability by State

Cigna provides Medicare Supplement plans in nearly all states, with the exception of Massachusetts and New York. In addition to these states, other states may have specific variations or exclusions in plan availability.

Beneficiaries should check the availability and specific details of Cigna’s plans in their state before making a decision.

Discounts on Cigna Medicare Supplement premiums may not be available in states like Connecticut, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, and New York.

Beneficiaries should consider these variations when evaluating their options for Medigap coverage.

Summary

Cigna’s Medigap plans for 2026 offer a variety of options tailored to different healthcare needs and financial situations. From the comprehensive coverage of Plan G to the balanced benefits of Plan N and the high-deductible options of Plans G and F, Cigna ensures that there is a suitable plan for everyone.

Although Cigna’s premiums may be higher than some competitors, the value-added benefits and extensive coverage make it a worthy consideration. Choosing the right Medigap plan is crucial for your financial and healthcare security.

Cigna’s commitment to providing robust coverage, along with additional perks such as the Healthy Rewards program and 24/7 health consultation services, makes it a strong contender in the Medigap market. Evaluate your healthcare needs, compare plans, and make an informed decision to ensure a healthy and secure future.

 

Frequently Asked Questions

 

What are the main differences between Cigna’s Plan G and Plan F?

The main difference between Cigna’s Plan G and Plan F is that Plan G requires beneficiaries to pay the Medicare Part B annual deductible, whereas Plan F covers this cost entirely. Additionally, Plan F is not available for new Medicare enrollees since January 1, 2020.

 

How can I qualify for the online enrollment discount with Cigna?

To qualify for the online enrollment discount with Cigna, you must be a new policyholder who has not held a Cigna policy in the past 90 days and complete the application process online. This allows you to receive a 5% discount on your policy.

 

Are Cigna’s Medigap plans available in all states?

Cigna’s Medigap plans are not available in Massachusetts and New York, and availability may vary in other states. Therefore, it is essential to check specific coverage options in your state.

 

What additional benefits do Cigna’s Medigap plans offer?

Cigna’s Medigap plans provide added benefits like the Healthy Rewards program that offers discounts on wellness services and products, along with 24/7 access to health information lines and licensed nurses for consultations. This enhances member support and promotes a healthier lifestyle.

 

How does Cigna’s financial stability impact its Medigap plans?

Cigna’s strong financial stability significantly boosts the reliability of its Medigap plans, assuring policyholders of consistent support and resources. This stability fosters trust and confidence in the coverage provided, which is essential for long-term healthcare needs.