Cigna Medicare Supplement Plan G
If you’re researching Medicare Supplement Plan G, you’ll find it available from several leading national insurers. One of the best options is Cigna. You get access to Medigap plan G at an affordable price, with all the same benefits found with every other provider.
As a Fortune 500 health insurer with a global footprint, Cigna has one of the best Medigap Plan structures available. With headquarters in Bloomfield, Connecticut, Cigna offers Medicare supplement Plans in every state except New York and Massachusetts. With a market share of approximately 3.4%, Cigna serves around 500,000 members throughout the United States.
Cigna Medicare Supplement Plan G – Pros
- Some states qualify for premium discounts of up to 25%.
- Household discounts on premiums are available in some states.
- The “Cigna Healthy Rewards” program offers members discounts on health and wellness services and programs.
Cigna Medicare Supplement Plan G – Cons
- Premiums for Plan G in some states are higher than other Medigap providers.
- Premium discounts are not available in all states.
- Plan G is only available in some states; call us to see if you’re eligible.
Cigna Standard or High-Deductible Plan G
Cigna offers the standard and high-deductible versions of Medigap Plan G to suit your healthcare budget. The difference between the two plans is that the standard deductible for 2023 is $1,600, while the high-deductible plan is $25,700. This means you have to cover the costs of this deductible up to the threshold before your Plan G insurance kicks in and takes care of the rest.
The high-deductible Plan G is the better choice for Americans who don’t visit the doctor much during the year but want full coverage of their medical expenses in an emergency health crisis. The standard deductible Plan G package suits people that visit the doctor more often and require full coverage of their medical expenses.
Plan G is the most comprehensive Medicare Supplemental plan for Medicare Part A & B members. After meeting your deductible obligation, you get complete coverage for most of your medical expenses.
Cigna Medigap Plan G Options in Wisconsin & Minnesota
Cigna Medigap Plan G options are different for Minnesota and Wisconsin residents than in other qualifying states. Cigna Plan G options for residents in these states receive an adjusted premium based on their “attained age rating.” That means you receive a premium adjusted to your current age, which increases as you age.
Minnesota residents can access four options: Plan G, Extended, Basic, Copay, and High-Deductible. Premiums can range in cost from $63 per month for the High-Deductible Plan G to $248 per month for the Extended Plan G, depending on your age and other factors like location, gender, and tobacco use.
The Basic Plan allows members to include “riders” in their plans to cover their Medicare Part A deductible. However, prospective members should note all versions of Plan G don’t cover Medicare Part B excess charges and preventive care services not covered by Medicare. Wisconsin residents only have access to the Basic Medicare Supplement Plan G, with optional riders.
Cigna Medicare Supplement Plan G Review
Cigna Medicare Supplement Plan G offers Medicare beneficiaries a broad range of benefits to cover the out-of-pocket medical expenses not included in Original Medicare Part A & B. Here’s a quick glance at Medigap Plan G.
- For Medicare members that visit the doctor or emergency room often, Plan G covers coinsurance and copayments relating to their medical expenses.
- Beneficiaries who can pay the Part B deductible get significantly lower premiums while accessing extensive benefits coverage.
- Cigna Medicare Plan G is available in most states except Massachusetts and New York.
- Members must keep paying their Medicare Part B premiums to qualify for Medigap Plan G.
- Since beneficiaries usually don’t change plans, it’s crucial to compare plans before changing from another to Plan G. Our team can advise you on switching to Plan G.
Eligibility for Cigna Medicare Supplement Plan G
Original Medicare Part B beneficiaries over 65 can enroll for Cigna Medicare Supplement Plan G. You can apply anytime during the calendar year. However, during the 6-month open enrollment period, you can apply and receive acceptance to Plan G, regardless of your pre-existing health conditions.
Open enrollment lasts for six months, starting from the first day of your Part B coverage. If you’re not retiring until age 65 and still receive medical coverage under employers’ insurance, open enrollment starts when you retire and sign up for Medicare Part B coverage. Medicare Supplement plans are available to people younger than 65 who have disabilities.
What Does Cigna Medicare Supplement Plan G Cover?
Medicare Supplement Plan G pays for the following out-of-pocket medical expenses after you meet our deductible.
- Medicare Part A hospital costs and coinsurance after using your annual Medicare benefits.
- Medicare Part A yearly deductible.
- Medicare Part A hospice care coinsurance and copayment.
- Medicare Part B excess charges and coinsurance.
- First 3 pints of blood in transfusions.
- 80% of foreign travel emergency coverage.
- Coinsurance for care in skilled nursing facilities.
The Cigna Medigap Plan G is the most popular supplemental plan in the range. You get almost all the same benefits and coverage as Plan F, at a lower premium cost, with high-deductible options available in specific states. The only difference between Plan G & F is that Plan F covers the Medicare Part B deductible, while Plan G doesn’t.
Plan G members receive coverage for their first 60 days in the hospital, the Medicare Part A deductible. You get cover of up to $400 per day up to the 90th day in the hospital. Additionally, you’re insured for $800 per day from the 91st day in the hospital going forward.
What Does Cigna Medicare Supplement Plan G Cost? – Premiums
Cigna Medigap Plan G prices vary widely, depending on several factors like your medical history and chronic medical conditions, smoking, gender, and your location in the United States. Here are the average costs for Medigap Plan G in the following areas.
- Eastern seaboard – $189 to $432 on the east coast
- Midwest – $104 to $479.
- Southern states – $88 to $417.
- West coast – $115 to $308.
*Costs may be higher or lower based on regional data.
Frequently Asked Questions
- What is Cigna Medicare Supplement Plan G?
Cigna Medicare Supplement Plan G is a type of Medigap plan offered by Cigna that provides additional coverage to fill the gaps left by Original Medicare.
- Who is eligible for Cigna Medicare Supplement Plan G?
Individuals who are already enrolled in Medicare Part A and Part B are eligible for Cigna Medicare Supplement Plan G.
- When can I enroll in Cigna Medicare Supplement Plan G?
You can enroll in Cigna Medicare Supplement Plan G during your Medigap Open Enrollment Period, which starts when you are 65 years old and enrolled in Medicare Part B. However, you may also be eligible for a Special Enrollment Period under certain circumstances.
- What is the difference between Cigna Medicare Plan G and Plan N?
Cigna Medicare Plan G and Plan N are similar in coverage but differ in cost-sharing. Plan G offers more comprehensive coverage, including coverage for Medicare Part A and Part B deductibles and excess charges, while Plan N requires cost-sharing for certain services.
- What types of coverage are included in Cigna Medicare Supplement Plan G?
Cigna Medicare Supplement Plan G covers costs such as Medicare Part A and Part B coinsurance, copayments, and deductibles, as well as coverage for excess charges.
- Can I use any healthcare provider with Cigna Medicare Supplement Plan G?
Yes, you can choose any healthcare provider who accepts Medicare with Cigna Medicare Supplement Plan G.
- How do I choose Cigna Medicare Supplement Plan G or another Medigap plan?
Consider your individual healthcare needs, budget, and preferred level of coverage. Research and compare different plans, including Cigna Medicare Supplement Plan G, to find the one that best suits your requirements.
- Are prescription drugs covered under Cigna Medicare Supplement Plan G?
No, prescription drug coverage is not included in Cigna Medicare Supplement Plan G. You would need to enroll in a standalone Medicare Part D prescription drug plan for prescription drug coverage.
- What are the benefits of having Cigna Medicare Supplement Plan G?
Benefits of Cigna Medicare Supplement Plan G include reduced out-of-pocket expenses, flexibility in choosing healthcare providers, and the peace of mind that comes with comprehensive coverage.
- Where can I find more information about Cigna Medicare Supplement Plan G?
You can visit the official Cigna website, consult with licensed insurance agents specializing in Medicare coverage, or contact Cigna directly to request detailed information on Cigna Medicare Supplement Plan G.
Get Expert Advice on Your Medigap Plan G
If you need help understanding the benefits, deductibles, and other aspects of Cigna Medicare Supplement Plan G, talk to the professionals for expert advice. We’re available at 1-888-891-0229. If you don’t have the time to talk right now, fill out our contact form on this site, and we’ll have someone get in touch with you.
Updated June 10th, 2023