Senior medical insurance is one of Cigna’s most important products, and they sell a wide range of Medicare supplement plans. The Cigna Medicare supplement is going to help a lot of people who are struggling right now to pay their medical bills. If you are on Medicare and experiencing excessive healthcare expenses and want some help, then their plans may be the way to go.
At Medisupps.com we’ve helped thousands of people enroll in Cigna Medicare Supplements and love working with them. They’re a fantastic company and currently have over 70 million people policy holders. You don’t get to be that big without doing something right.
Aside from Medicare Supplement plans from Cigna, they also offer a wide array of other insurance plans such as Life, Health, Disability, and accident policies.
Check with us to see if a Cigna Medicare Supplement is available in your state, it’s very likely they are. Cigna has a few subsidiary companies such as Cigna Health & Life (CHILIC), Loyal American, and American Retirement Life Insurance Company. They are all part of the Cigna family however.
What a Cigna Medicare Supplement can do for you
The cost of healthcare is on the rise, as it has away been, and only those who have been planning on how to deal with it are gonging to be able to afford it easily. Many people choose supplemental coverage plan to complement their Medicare coverage. These supplemental plans give them additional coverage that they would not otherwise have and help them to cover their medical bills.
The basic Medicare plan (Original Medicare Part A and B) doesn’t cover all medical expenses, and it leaves a lot for people to take care of on their own and from their own pockets. A Cigna Medicare supplement is ideal for people who have that base plan and who don’t feel like it covers them very well. Even those who are mostly covered by the base plan can benefit from the supplemental ones. They can save money on the few medical expenses they still have to pay out of pocket by having them covered with a low coverage insurance plan.
For those with lots of medical expenses still to pay after Medicare does its part, there are high coverage supplemental plans as well. These are usually considered to be plans F, G and N, and they cover most Medicare supplemental expenses. These are the most popular Plans Available.
What are those supplemental expenses? Well, we are going to look at them now so you can know if you need them covered or not.
First off, let’s look at the copayments that Medicare is going to ask you to pay once you have its basic plan. These are common expenses for both parts of Medicare- A and B. You will have to pay them just about every time you visit a hospital or a doctor’s office, so it’s nice to have them taken care of by a supplemental plan.
The deductibles are pretty much the same way. You pay them about as often as you make a doctor’s visit or a hospital visit. Part A’s deductible is covered by a lot of the supplemental plans, but not Part B’s. That’s only going to be covered by Medicare Supplement Plan F.
You can also be covered for fore travel exchange, which covers a lot of your transport costs for emergency care outside the United states. Most plans will cover you for 80% of this cost, and you will have pay the deductible that comes with it out of your own pocket.
Further coverage that is possible from Cigna Medicare supplemental insurance for 2018 includes blood coverage. That’s for three more pints of blood, and most supplemental plans include this. This coverage is renewed annually and it functions in addition to the blood coverage offered by Medicare’s basic plan. So, with the coverage you get from that plan, you can add three more pints a year with a supplement plan.
A Glimpse at the Different Plans
As we mentioned there are a few different Cigna Medicare Supplements available. Here we’ll look at the most popular Plans they offer which are Medicare Plan F, Plan G, and Plan N.
Cigna Medicare Supplement Plan F
Many people wonder if a Cigna Medicare Supplement has different coverage from other companies. Well, the fact that the federal government does what is called “standardization” to Medigap plans, means that all plans within the same plan letter must have identical coverage, regardless of which company offers them.
Therefore, a Cigna Medicare Supplement Plan F has identical benefits to any other company. The difference however, is the cost that each company offers a Plan F for. You see, companies all will have different premiums for the exact same coverage. That’s what makes it absolutely crucial that you get rates from ALL the top carriers. At Medisupps.com, we make it easy for you with our FREE online Quoting Tool. Just click below to view Cigna Medicare Supplement Plan F rates now!
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In terms of what is covered by a Cigna Medicare Supplement Plan F, well you can view the chart below to see the benefits. Another easy to way to consider the coverage however, is to simply remember that Medicare Plan F covers all the gaps in Medicare 100% for all Medicare approved expenses. That is what makes it the most comprehensive Medigap plan available. With a Cigna Medigap Plan F, you will have:
- NO deductibles to pay
- NO coinsurance to pay
- NO co-payments
While this obviously looks like and is outstanding coverage, there is another Cigna Medicare supplement plan that you should absolutely consider. That is…
Cigna Medicare Supplement Plan G
The easiest way to learn about Medigap Plan G is to just recognize that it is exactly like Plan F, except for one small different. With a Cigna Medicare supplement Plan G, you must pay the annual Part B deductible yourself. This is $183, once-per-year. After you meet this one deductible, Medigap Plan G is just like Plan F and pays 100% of all expenses that original Medicare doesn’t pay.
Now You might be asking…
“Well why don’t I just go with Plan F, it pays everything and I don’t have to worry about any expenses?”
That’s a great question. You see a Cigna Medicare Supplement Plan G will always have a lower monthly premium than Plan F. Remember that the only difference with Plan F over Plan G is that Medigap Plan F pays the annual Part B deductible for you, which is $183. So that means, if the yearly premiums for Plan F are higher than $183 over Plan G, you’re spending extra for the insurance carrier to pay your Part B deductible for you. The only way to find out is to compare quotes now, using our online Quote Engine by clicking the button below!
Cigna Medicare Supplement Rates
You may see that you can save over $100 a year or more by going with a Cigna Medicare Supplement Plan G over Plan F. Also, Plan G has historically had lower rate increase than Plan F. See what Plan G covers below:
This brings us to our last Cigna Medicare Supplement that you should consider, and that is…
Cigna Medicare Supplement Plan N
Medigap Plan N is similar to Plan G, except for a few small differences. With a Cigna Medicare Supplement Plan N you must pay the annual Part B deductible yourself each year, just like you do with Plan G. However, with Plan N you might have a small co-payment per doctor’s visit after you meet the Part B deductible.
This co-payment and whether or not it has to be paid all depends on how they code your procedure at the doctor’s office. You may have no co-payment depending on how you were treated, or you might have a small co-payment. The max they can charge you for the Medigap Plan N co-payment is $20 per visit.
Also on Medigap Plan N, if you visit the Emergency room and you are not admitted, you can expect to pay a $50 co-pay. As well, a Cigna Medicare supplement Plan N does not cover Part B excess charges. These are extremely rare and in the event you do see them they shouldn’t be large.
The main benefit to enrolling in a Medigap Plan N is the low monthly premium. This amount is lower than both Plan F or Plan G, making this plan a good financial decision for those who are healthy and don’t wish to pay a lot for coverage each month.
Medicare subscribers who sign up for supplemental insurance may also be covered for hospice care for another 365 days. Those who have Medicare will know that they are already partially covered for hospice care with the Medicare basic plan, but this supplemental coverage extends that coverage even further.
You can be covered for Medicare Part B excess charges. Only two of the supplemental plans- F and G- will cover this expense. You should know that it isn’t a common expense, though. Most people will never need to pay it, which means that they should not try to have it covered, if they don’t have to.
A lot of these plans have coverage that many people won’t really need, just because everyone has different medical needs. The plans are designed to cover the most common or expensive medical costs, so they are definitely helpful. Many times, they cover expenses that you may not need to have covered right now, but that you might experience in the future. Having that coverage can provide you with peace of mind, even if it doesn’t actually help you your financial situation.
Cigna Medicare Supplement Rate Increases
As for Cigna Medicare Supplement Rate increases each year, they have maintained reasonably low increase relative to other companies. There is a massive variance by state but plans such as Plan G have had lower rate increases than say, Plan F in most states. Using our FREE online quoting tool has helped thousands of people check Cigna Medicare Supplement rate increases as the years go by, by comparing their current rate against other top companies.
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Is a Cigna Medicare Supplement the Right Choice for You?
Cigna is an insurance company with plenty to offer you. It has many different insurance offerings, so if you sign up for one of their plans, you may be able to enjoy benefits across other plans as well that may fit your needs. At the same time, you need to know that they aren’t offering anything special when it comes to medical coverage. No insurance company can alter the plans to fit their desires. The plans all must conform to what Medicare set up and designed. Only Medicare gets to change the plans, so bear that in mind as you look at what Cigna offers and compare it to other companies.
Know that their coverage is the same even if their prices and other services are not. So, it’s not coverage you should be comparing, once you have picked out the right plan for yourself. Instead, pay attention to the cost of the plans and what additional benefits you get from choosing Cigna over its peers. You will likely find that there are some advantages to picking this insurance company, but they may not all be evident from the surface. You might have to examine the company a bit closer to see if it is right for you.
Enrolling in a Plan
If you sign up for one of Cigna’s plans, you can always change your mind and your coverage later. Medicare supplement plans are guaranteed renewable, meaning your plan will continue no matter what as long as you pay the monthly premiums. These plans are not “annual plans”, they are in fact month-to-month.
So if you have a different company currently and you feel like you might be paying too much, use our online quoting tool and enter your zip code to see just how much you can be saving each month with a Cigna Medicare Supplement.