Cigna is a multinational healthcare company with more than 17 million global customers. The company, which was formed in 1982, is currently headquartered in Connecticut.
Cigna offers Medicare Advantage plans in 16 states and Washington, D.C., and offers Medicare prescription drug plans in all 50 states. Cigna recently expanded its services to New York and Kentucky, as well as 106 different counties.
Cigna Medicare Plans Available
Cigna offers Original Medicare (Part A and Part B) plans, as well as Medicare Advantage (Part C). In addition, Cigna offers Medicare Part D plans, which cover prescription drugs, and Medicare supplement plans, known as Medigap. Medigap plans can cover costs including deductibles and copays, among other expenses.
Original Medicare is a federal health program comprising Medicare Parts A and B. Most U.S. residents get Original Medicare when they turn 65.
If you’re already collecting Social Security disability benefits, you’ll be automatically enrolled in Medicare Part A; Part B is optional since you must meet a deductible and pay monthly premiums before Medicare begins covering your medical expenses.
While Original Medicare care does offer comprehensive coverage, it does not cover a number of medical needs, such as vision and dental care, some prescription drugs, and hospital stays lasting longer than 150 days. There are supplementary Medicare plans that may help you cover these costs.
Cigna offers one or more $0 premium MA plans in every market, and most customers will pay similar or reduced premiums compared to 2022.
Medicare Part A
Medicare Part A is commonly known as “hospital insurance.” This type of Medicare covers hospital stays, skilled nursing facility care, hospice care, and some home health care. Medicare Part A may also cover some prescriptions, such as medications prescribed as part of inpatient hospital care, or injections and infusions you receive during a visit to a doctor.
Medicare Part A does not cover prescription medication, medical devices, vision care, dental care, hearing exams or hearing aids, or health care outside of the US. Supplementary Medicare plans can be purchased for this type of coverage.
Medicare Part B
Medicare Part B is also known as general medical insurance. It covers regular doctor’s visits, outpatient care, some medical supplies, and some preventive services. Medicare Part B requires enrollees to pay a monthly premium (based on their income) and a deductible before coverage begins; generally, Medicare covers 80% of approved charges.
Medicare Part B does not cover prescription medication, vision care, dental care, hearing exams or hearing aids, or health care outside of the US. Supplementary Medicare plans can be purchased for this type of coverage.
If you are 65 or older and have received Social Security disability benefits for 24 months, you are automatically enrolled in Part A and Part B.
Cigna expanded Medicare Part B to almost 25% of its plans for this year. The rebate ranges up to $130 and is used to reduce the customer’s Part B monthly premium.
Cigna Medicare Advantage (Part C)
Medicare Advantage, also known as Part C, combines Part A and B with Part D, which is prescription drug coverage. This type of all-in-one medical insurance package may be ideal for those who know they will have regular prescription medication expenses.
Some of Cigna’s Medicare Advantage plans also cover additional health and wellness expenses, such as LASIK laser eye surgery, access to preferred-network pharmacists, case management and medication therapy management, and 27/4 telehealth options. Depending on the Medicare Advantage package you select, you may pay a low premium, or no premium.
Cigna Medicare Part D – Drug Plans
Part D plans are also known as drug plans or prescription plans. This type of Medicare plan covers medication prescribed to you by a doctor, physician, or other approved healthcare providers. It is ideal for individuals who know they will be regularly taking several prescriptions or those who have preexisting conditions that may require additional prescriptions in the future.
Prescription coverage is limited to Cigna’s formulary, which covers 3,000 common prescription drugs.
Cigna Medicare Supplement Plans
While Original Medicare and Medicare Advantage plans offer comprehensive coverage for a number of medical needs and concerns, there are still many things — such as medical expenses that occur out of the United States, hearing exams, vision care, and dental care — that are not covered.
Medicare supplement plans, known as Medigap plans, can provide additional coverage when needed.
In 2023, Cigna has also announced it will be offering 3 stand-alone Medicare prescription drug plans in all 50 states, D.C., and Puerto Rico: Cigna Saver Rx, Cigna Secure Rx, and Cigna Extra Rx.
Plan A provides the lowest amount of coverage among Medigap plans. After you have paid your Part A and Part B deductibles, Plan A will cover remaining hospital and medical expenses, including up to three pints of blood and hospice-care copays.
Plan N is a supplementary Medicare plan that covers hospital stays up to 365 days, skilled nursing facility care up to 100 days, and for some medically necessary services that take place outside of the U.S. Plan N also covers some laboratory services, blood services, and durable medical equipment after the deductible. You will pay for copayments up to $20 for doctor visits or up to $50 for emergency room visits.
This is a good supplementary plan to choose if you want a lower monthly premium, and predictable out-of-pocket costs.
Plan G is a supplementary Medicare plan that covers hospital stays up to 365 days, skilled nursing facility care up to 100 days, and for some medically necessary services that take place outside of the U.S.
Plan G also covers some laboratory services, blood services, and durable medical equipment after the deductible. Plan G also covers Plan B excess charges, which a doctor may charge for services not covered by Medicare. There is a 15% limit on these charges.
This is the Medigap plan that offers the most coverage after you have paid the Part B annual deductible.
This type of Medigap plan offers the most coverage and the lowest out-of-pocket costs. Plan F is only available if you first became eligible for Medicare before January 1, 2020.
Enrolling in Cigna & Open Enrollment Period
There are several different enrollment periods for Medicare plans, depending on your age and plan needs.
Initial Enrollment Period
This is when you can sign up for a plan
- Begins 3 months before the month you turn 65
- Ends 3 months after the month you turn 65
Medicare Open Enrollment Period
This is when you can sign up for a plan, switch a plan or leave a plan
- Begins October 15th
- Ends December 7th
Special Enrollment Period
Special enrollment periods allow you to enroll outside the regular enrollment periods under specific circumstances.
General Enrollment Period
This is when you can sign up for Medicare Part A and/or Part B if you didn’t sign up when first eligible or if you’re not qualified for a Special Enrollment Period.
- Starts January 1st
- Ends March 31st
Medicare Advantage Open Enrollment Period
This is when you can switch or leave a Medicare Advantage Plan
- Starts January 1st
- Ends March 31st