by Russell Noga | Updated June 20th, 2023
Are you 65 or older? Have you been diagnosed with a disability or illness? Have you recently enrolled in Medicare or are you planning on enrolling in Medicare?
If you answered “yes” to these questions, you intend on purchasing Medicare Supplement Insurance to help offset the out-of-pocket expenses that Original Medicare doesn’t cover, and you want low monthly premiums, Plan N from Cigna might be the right option for you.
Before you proceed, however, gathering as much information as possible is essential. In this guide, we provide an overview of Cigna Medicare Supplement Plan N so that you can make the most informed decision for your healthcare and financial needs.
About Cigna
A Fortune 500 health insurance company, Cigna is one of the largest insurers in the United States. Millions of Americans receive their health insurance through Cigna, including Medicare Supplement Insurance.
The insurer has been called Cigna since 1982 when it formed as a result of a merger between two companies, Connecticut General Life Insurance Company (CG), which was founded in 1865, and Insurance Company of North American (INA), which was established in 1792.
The insurer is highly respected and has established itself as one of the leaders in the health insurance industry.
About Cigna Medicare Supplement Insurance
Cigna’s Medicare Supplement plans are available in 48 states, as well as Washington, DC. In addition to the standard Medigap benefits, the company also offers its policyholders additional benefits, such as discounted rates on things like hearing and vision screenings, and health and wellness products, as well as household discounts.
While Cigna’s premiums are a bit higher than the average, the company puts more of the monthly premiums it collects toward member benefits.
There are a total of 10 Medicare Supplement Plans, and Cigna only offers three plans that all beneficiaries are eligible to purchase.
Plan F is also available for individuals who became eligible for Medicare benefits before January 1, 2020. While plans may be limited, one of the key benefits of Cigna Medigap insurance is that you will be able to visit any doctor or health care provider who accepts Medicare.
Cigna Medicare Supplement Plan N
As stated above, Cigna offers four Medicare Supplement Insurance plans. All Medicare beneficiaries can purchase three of the policies the insurer offers, including Plan A, Plan G, and Plan N, and one of the policies – Plan G – are only eligible for beneficiaries who became eligible for Medicare before January 1, 2020.
Of the Medigap policies Cigna offers, Plan N is one of the more popular options.
Medicare Supplement Plan N is specifically designed for beneficiaries who are seeking a policy that helps to offset the out-of-pocket expenses that are associated with Original Medicare (Part A and Part B) but want lower monthly premiums.
The premiums for Plan N are lower than other Medicare Supplement policies that Cigna offers, such as Medicare Plan G and Plan F; however, to keep those premiums low, policyholders have to cover the cost of the Part B copays.
Copays for office visits can run up to $20 and copays for emergency room visits can cost up to $50 per visit (the fee is waived if you are admitted).
If you have Cigna Medicare Supplement Plan N, once you pay your copays (and as long as you are current with your premiums), the insurance company will kick in and cover the remainder of the Part B copay.
Additionally, Plan N also covers 100 percent of the following out-of-pocked Medicare expenses:
- Part A deductible
- Part A coinsurance and hospital care for up to an additional 365 days after Medicare benefits have been used up
- Part A copayment or coinsurance
- Skilled nursing facility coinsurance
- First, three pints of blood required for medical procedures
Cigna Medicare Supplement Plan N will also pay for up to 80 percent of emergency medical care you receive while you’re traveling outside of the United States (up to a $50,000 limit). Furthermore, once you’ve paid the required Part B copay, the insurer will pay for the remainder of your Part B coinsurance.
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How Much Does Cigna Medicare Supplement Plan N Cost?
Private health insurance companies set their own rates for the Medigap policies they offer, including Cigna.
There are several factors that the company takes into consideration when setting rates, such as:
- When the individual applies
- The age of the applicant
- The applicant’s health
- The applicant’s sex
- Where the applicant resides
- If the applicant smokes cigarettes or uses other tobacco products
It should be noted that while the rates vary from applicant to applicant and do depend on multiple factors, generally speaking, Cigna’s Medigap premiums tend to be higher than the rates that other insurers charge.
As stated above, however, the insurer puts more of those benefits toward member benefits.
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Frequently Asked Questions
What is Cigna Medicare Supplement Plan N?
Cigna Medicare Supplement Plan N is a specific type of Medicare Supplement plan offered by Cigna, a reputable insurance company. It provides additional coverage to help fill the gaps in Original Medicare and offers benefits such as hospitalization coinsurance, skilled nursing facility coinsurance, Part A deductible, and Part B coinsurance or copayments (except for a small copayment for certain doctor visits and emergency room visits).
What is Cigna Medicare?
Cigna Medicare refers to the various Medicare-related products and services offered by Cigna, including Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D prescription drug plans. Cigna is a well-known health insurance company that provides comprehensive healthcare coverage to Medicare beneficiaries.
What is the difference between Medicare Plan N and Plan G?
The main difference between Medicare Plan N and Plan G lies in how they handle certain costs. Medigap Plan N requires beneficiaries to pay a small copayment for certain doctor visits and emergency room visits, while Plan G does not require these copayments. Both plans offer similar coverage for hospitalization coinsurance, skilled nursing facility coinsurance, Part A deductible, and Part B coinsurance or copayments (except for the copayment with Plan N).
Does Cigna offer Medicare Supplement Plan N?
Yes, Cigna offers Medicare Supplement Plan N as part of its Medicare Supplement plan offerings. Cigna is a well-established insurance company with a variety of Medicare plans available to meet the needs of Medicare beneficiaries, including Plan N.
Can I use Cigna Medicare Supplement Plan N with any healthcare provider?
Yes, Medicare Supplement plans, including Cigna Medicare Supplement Plan N, typically allow you to see any healthcare provider who accepts Medicare patients. There are no network restrictions, so you have the freedom to choose healthcare providers that best suit your needs and preferences.
Can I switch from a different Medicare Supplement plan to Cigna Medicare Supplement Plan N?
If you are currently enrolled in a different Medicare Supplement plan and wish to switch to Cigna Medicare Supplement Plan N, you have the option to do so. However, it’s important to consider factors such as eligibility, pricing, and coverage before making any changes to your Medicare Supplement plan. Call us for help.
Does Cigna offer other Medicare-related products besides Medicare Supplement plans?
Yes, Cigna offers a range of Medicare-related products, including Medicare Advantage plans and Medicare Part D prescription drug plans. These plans provide alternative coverage options to Original Medicare, and Cigna offers various plan options to accommodate different healthcare needs.
How can I learn more about Cigna Medicare Supplement Plan N?
To learn more about Cigna Medicare Supplement Plan N and its specific details, call us today at 1-888-891-0229.
Remember, Medicare Supplement plans are standardized across different insurance companies, but their rates are all entirely different.
Enter your zip code below to compare rates for Plan N in your area.
How to Enroll in Cigna Medicare Supplement Plan N
If you feel that Cigna Medicare Supplement Plan N is the right option for you, the ideal time to apply is during the Medigap Open Enrollment period.
During this period, which starts on the first day of the month you turn 65 and lasts for 6 months, you are guaranteed issuances.
The insurance company cannot base its decision to approve your application or to set your rates on your medical history or the current status of your health. As such, your application will be accepted and your premiums will be lower.
If you wait to apply for Medigap Plan N with Cigna after the Medicare Supplement Open Enrollment period, your application will be subjected to medical underwriting.
This means that the insurer can consider your medical history and your current health when assessing your application. If you have a medical condition, your premiums could end up being higher or your application could be denied.
Getting Started
When it comes to choosing a Medicare plan, it doesn’t have to be confusing. Whether it’s a Medicare Supplement policy, or you have questions about Medicare Advantage or Medicare Part D, we can help.
Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.