Medicare Advantage

2018 Cigna Medigap Plan Comparison

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Medigap Plan Options For 2018 With Cigna

For 2018, Cigna offers seven Medigap supplement plans. These individual Medigap Plans A, B, C, D, F, G and N, all have different benefits and features to compare from. Additionally, Cigna Medigap plans also include a high-deductible version of Medigap Plan F, which provides the same coverage as Plan F with a high deductible and lower monthly premium. Except for in Wisconsin, Minnesota and Massachusetts, Medigap policies are standardized the same way nationwide. Each letter type covers the same benefits regardless of where or from which company you buy the policy. So a Plan G in Idaho looks the same as a Plan G in Kentucky, for example. Pricing and plan availability vary based on several factors, primarily where you live and your demographics (age and sex). If you don’t enroll within your initial eligibility window, your medical history may also determine plan availability and cost.

After you are done reading about what each Cigna Medigap Plan offers, you can see a detailed list of what Cigna Medigap Plans are available in your state, at our 2018 Cigna Medigap Plans By State chart.

Cigna Medigap 2018

Here’s what you can expect from Cigna Medigap policies in 2018.

Cigna Medigap Plan A

Medigap Plan A complements your original Medicare coverage (Parts A and B). It’s the most basic version of Medigap supplement plans, making it a good option for people who don’t need much medical care on a regular basis. This plan will cover some of your out-of-pocket costs and ease a bit of your financial burden. Medigap Plan A covers:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure

Original Medicare requires coinsurance for hospital and medical coverage, meaning you’ll be responsible for a portion of the cost of your care. Under Medicare Part A, you’ll pay a coinsurance rate of $335 for every day that you spend in a hospital (from days 61 to 90). Medigap Plan A covers this coinsurance rate. It also provides up to 365 days of coverage after your Medicare benefits end.

Medicare Part B has a coinsurance rate of 20 percent, which means you’ll pay 20 percent of the Medicare-approved amount for medical treatments and services. This can add up over time, especially if you have a chronic condition to manage. Medigap Plan A covers this coinsurance rate. You’ll pay a higher premium than you would with just your Part B policy in force, but the cost savings for trips to the doctor could be worth the extra investment.

Cigna doesn’t publish rates on its website, and you’ll need to provide detailed personal information to get a quote if you’re interested in their plan offerings. A 2013 rate table from American Retirement Life Insurance Company, one of three underwriters for Cigna’s plans, shows that a 65-year-old man living in the Philadelphia area of Pennsylvania would have paid around $1,641 for Plan A annual premiums, which totals about $137 a month. That was five years ago, so the cost would be higher in 2018.

2018 Cigna Medigap Plan A Click Here To Get Rates

Cigna Medigap Plan B

In terms of coverage, Medigap Plan B is almost the same as Plan A, except that Plan B also covers the Medicare Part A deductible. Medigap Plan B includes coverage for:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible

Under original Medicare, you have to meet a deductible ($1,340 in 2018) before your hospital benefits pay out. This deductible can be prohibitive, making Medigap Plan B a good option if you would have trouble coming up with an extra thousand dollars for a hospital stay before your benefits even begin. Since Plan B also covers the coinsurance rate and an extra 365 days of coverage beyond original Medicare benefits, Plan B makes sense if you know you’ll need significant supplemental hospital coverage.

Pricing and plan availability vary as with any Medigap policy, even in states where Cigna sells plans. For a real idea of what you’ll pay, you’ll need to request a personalized quote. Taking our example from the 2013 rate table, a 65-year-old man in Philadelphia would’ve paid about $145 a month for a Plan B policy five years ago.

2018 Cigna Medigap Plan B Click Here To Get Rates

Cigna Medigap Plan C

Medigap Plan C offers more coverage than Plans A and B. If you see a doctor more often or know that your healthcare needs are likely to increase as you get older, investing in a more robust plan would be a wise financial move. With Medigap Plan C from Cigna, you’ll see the following benefits:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Medicare Part B deductible
  • Foreign travel emergencies up to plan limits

Along with the basic benefits of Plans A and B, Medigap Plan C covers the Medicare Part B deductible, coinsurance for skilled nursing care and the cost of foreign travel emergencies up to your plan’s limits. As with Medicare Part A, Medicare Part B requires a deductible before benefits payout. In 2018, the Part B deductible is $183. With a Plan C policy in place, you won’t have to worry about either deductible for original Medicare. This plan doesn’t cover Part B excess charges – only two Medigap plans do – but you won’t have these charges if you see providers who accept Medicare assignment.

How much you pay for Medigap Plan C from Cigna will depend on where you live, whether you’re enrolling during your initial eligibility window (the six months that start when you’re 65 and have Part B in place), and your age and sex. The rate table from 2013 that we used to estimate the cost of Plans A and B, doesn’t show Plan C for Pennsylvania. To learn about options where you live, you’ll need to request an estimate based on your specific information.

2018 Cigna Medigap Plan C Click Here To Get Rates

Cigna Medigap Plan D

Medigap Plan D covers the same benefits as Plan C with one notable exception: the Part B deductible. Because this plan doesn’t cover the Part B deductible, it will likely cost less than its near-identical counterpart, making it a good choice if you want similar coverage with a lower price tag. Medigap Plan D covers:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits

Specific information for Plan D doesn’t exist online for Cigna since the company doesn’t publish its current rates. But according to the Medicare.gov website, which offers a search tool for identifying the companies that offer Medigap policies in your state, premiums for Plan D range from $83 to $216 a month in Philadelphia. How much you’ll pay depends on your age, sex, application status and where you live, so request a quote if you want to learn more about Cigna’s Plan D rates.

2018 Cigna Medigap Plan D Click Here To Get Rates

Cigna Medigap Plan F (Cigna’s Most Popular Medigap Plan As of 2017)

Medigap Plan F covers all of the benefits of Medigap supplemental policies. It’s the most comprehensive Medigap policy that you can buy, and it tends to be the most popular choice among people who buy Medicare supplement plans. Aside from your monthly premiums for the coverage, you’re unlikely to have any out-of-pocket costs with a Plan F policy because this plan covers:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Medicare Part B deductible
  • Foreign travel emergencies up to plan limits
  • Medicare Part B excess charges

Not only does Plan F cover the deductibles and coinsurance amounts for Medicare Parts A and B, but the plan also takes care of Part B excess charges. For many people, excess charges aren’t an issue. But for some, these extra costs can be high and unavoidable.

Original Medicare requires participating providers to “accept assignment,” i.e., to agree to the price that Medicare deems is fair for services and treatments. As long as your provider accepts assignment, you won’t have to worry about Part B excess charges because you won’t have them. You’ll just pay for 20 percent of the Medicare-approved amount.

The issue comes with providers (doctors, hospitals, physical therapists, etc.) who don’t “accept assignment”. If your doctor doesn’t have an agreement with Medicare to accept assignment, then he doesn’t have to stick with Medicare rates. He’s allowed to accept Medicare as payment, but he’s also allowed to charge a certain percentage above the Medicare-approved amount for his services. Medicare, on the other hand, will only pay for the amount that it approves. That leaves you, as the patient, covering the difference, also known as the “Part B excess charges.” As with the coinsurance rate itself, there’s no cap on how much you might pay in a year. If you expect to need a lot of medical care, Plan F gives you the best coverage since it eliminates your out-of-pocket expenses.

There’s also a high-deductible version of Plan F, which Cigna offers in some areas. This version covers the same benefits but includes a high deductible ($2,240 in 2018) before benefits payout. It could still be a better deal, especially since the monthly premium for high-deductible Plan F is less than the premium for standard Plan F.

According to the 2013 rate table for Pennsylvania, Cigna offered a Plan F policy five years ago that would have cost a 65-year-old man about $169 a month. Information isn’t available for current rates, but if you want to know more about Plan F, then make sure to get a personalized quote from Cigna.

2018 Cigna Medigap Plan F Click Here To Get Rates

Cigna Medigap Plan G

Because Plan F covers the most Medigap benefits, it’s also usually expensive. If you like the benefits of Plan F but want to pay less per month, consider Medigap Plan G. The only difference between the two policies in terms of coverage is that Plan G doesn’t cover the Medicare Part B deductible. Plan G offers the following benefits:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits
  • Medicare Part B excess charges

There are two reasons to choose Plan G over Plan F if you need comprehensive coverage. First, it’s less expensive for one minor tradeoff (the Part B deductible). Since that deductible is just $183 for the year, you would spend less paying for it out of pocket than you would to upgrade your monthly premium to Plan F. Second, Plan F is going to be discontinued starting in 2020. You can still buy it between now and then – and keep it in place after 2020 if you buy it before then – but after 2020, it won’t be available to new customers.

The 2013 rate chart from American Retirement Life Insurance suggests that a 65-year-old Philadelphia man would have paid about $145 a month for Plan G coverage. That’s $24 less per month than Plan F, saving him about $100 over the Plan F policy (when factoring in the Part B deductible) and giving him the same level of coverage otherwise. Note that Plan G is the only other Medigap policy (besides Plan F) that covers Part B excess charges.

2018 Cigna Medigap Plan G Click Here To Get Rates

Cigna Medigap Plan N

Medigap Plan N is identical to Plan D with one distinction: Plan N requires cost-sharing from enrollees. Even with the cost-sharing requirement, Plan N can be a good choice if you’re looking for fuller coverage with a lower monthly premium. Cigna Medigap Plan N covers:

  • Medicare Part A coinsurance and coverage for hospital benefits
  • Medicare Part B coinsurance or copayments – with a caveat
  • Coinsurance or copayments for hospice care
  • The first three pints of blood in a medical procedure
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care
  • Foreign travel emergencies up to plan limits

Under Medigap Plan N, you’ll be required to cover copays for Medicare Part B. Copayments may cost up to $20 for doctor’s visits and up to $50 for ER visits that don’t result in hospitalization. Plan N covers all other Part B coinsurance amounts that are approved by Medicare.

In 2013, a 65-year-old man living in Philadelphia would have spent about $116 a month on Plan N coverage. Medigap policies vary in pricing and availability no matter the company you choose. We’ve been using an outdated rate chart from one of Cigna’s underwriters to give you an idea of pricing since Cigna doesn’t publish current rates. If you’re interested in a Medigap Plan N from Cigna – or any plan from Cigna – then check out a personalized estimate based on your information.

2018 Cigna Medigap Plan N Click Here To Get Rates

Our advice is to always seek counsel from a trusted licensed medicare enrollment professional if you have questions that were not answered in this article. Connecting with a licensed professional takes just a few minutes and could ultimately save you thousands of dollars a year on your healthcare costs.

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