Cigna Medicare Supplement Plans
Cigna is one of the health insurers in the US that sells Medicare Supplements. It has a nice lineup of plans. And if you choose this insurer over other providers, you will get to enjoy its exclusive member perks. In this post, we will tell you more about Cigna Medicare Supplement plans so you can figure out which one can meet your medical needs.
But first, let us discuss how Supplement plans can help you minimize your healthcare costs.
How Medicare Supplement or Medigap Plans Work
Original Medicare has a lot of expenses that you need to pay for on your own. These expenses arise after traditional Medicare has paid its part. Medicare Supplement plans will cover those leftover expenses. That’s why they are ideal if you are struggling to pay for the out-of-pocket expenses left by Original Medicare.
These expenses include the per-visit copayments. They are due each time you go to a hospital or doctor’s office. You also need to pay for the yearly deductible of Part A, which can cost around $1408 per year. With all of these expenses, it easy to understand why seniors are opting for Supplement plans in keeping their healthcare costs down.
You can’t purchase Supplement plans through Medicare. Instead, you need to go directly to private insurers that sell these plans. These insurers can choose how much they will charge their subscribers for these plans. Because every insurer has its own rates, you need to compare the prices of the plan you wish to purchase. And the quickest way to do that is through our online tool.
Our website is free to use so you can find out how Cigna compares to its competition. You will know whether or not Cigna offers the best rates. If Cigna doesn’t offer the cheapest rats, then you will know which one does just by requesting quotes through our online tool.
Signing up for a Supplement plan is easy. But you need to meet its minimum requirements. For instance, you must be at least 65 years old to be eligible for these plans. You can sign up around your 65th birthday. Another time you can enroll is during the yearly enrollment period. The annual period comes every October until December.
However, it is ideal that you enroll during the first time you qualify and that is when you turn 65. The reason for this is that this initial period allows you to receive better, more affordable rates.
Furthermore, no insurance provider can reject your application. But you can still choose the later enrollment period. However, insurance companies can deny you coverage or you will get higher rates than when you enroll during the initial enrollment period.
What are the best Cigna Medicare Supplement Plans?
Cigna sells a variety of Supplement plans, including Plan F, high deductible Plan F, as well as G and N. These are high coverage plans. But you can also choose from among the low coverage policies, like plans A, B, C, and D.
Compared to its competitors, Cigna offers an impressive lineup of Supplement plans. With that in mind, you will have a lot of options and enables you to pick a coverage that you want to have.
To know more about these plans and their individual coverage, then make sure to check out the official website of Medicare. Meanwhile, we will focus on the more popular plans, like Plans F, G, and N. They are top plans and they provide great value to each senior.
Plan F
This Supplement plan is the most comprehensive among the many options available. It gives you coverage for your yearly deductibles that are related to Medicare. It also pays for the copays. It is due each time you go to your doctor’s office, hospital, or emergency room.
Plan F will also cover your foreign travel exchange cost. You will need this coverage if you need to be transported outside the US during a medical emergency.
This plan also includes blood usage per year. It covers the first three pints of blood. The remaining blood will be covered by Original Medicare.
Apart from those items, you will also be covered for hospice care, excess charges of Part B, and nursing care.
However, no matter how comprehensive this plan is, it is no longer available to new subscribers. It has been delisted since January 1, 2020.
Plan G
It is cheaper than Plan F and it is available to the general public. It covers nearly all expenses as Plan F. But it leaves one expense that you need to pay for on your own and that isf the Part B yearly deductible.
Compared to Plan F, Plan G is the best-selling policy. You can get it even if you just signed up for Medicare.
Plan N
If you wish to save more money, then Plan N is ideal for you. It is an economical option that will cover you for Part A deductible, Part A copayments, nursing care, blood usage, hospice care, as well as international travel exchange cost.
It doesn’t include most of the Part B expenses but it does include some copays. These leftover expenses are just trivial. In that case, you will not have trouble paying for these expenses using your own money. That’s why Plan N is the most affordable among the many Cigna Medicare Supplement plans.
If you wish to know the price of these plans, then make sure that you use our site to request quotes and compare rates. You will not only get Cigna’s rates but you will also receive the rates from other health insurance companies. In that case, you can easily tell whether or not Cigna offers the lowest price for the plan you want.
Cigna and Its Customers
As a health insurance provider, Cigna is a well-respected company in the industry. It received outstanding customer reviews and professional reviews. Most of its customers are saying that the company takes care of them. The member perks add value to the Supplement plans.
However, the company can’t choose the kind of coverage that each plan will get as it is set by Medicare. No insurance companies can alter the medical benefits of Medicare Supplement plans.
In that case, the coverage you will get from a Supplement plan from Cigna will be the same as the plan offered by other insurance providers.
But Cigna differentiates itself through its competitive rates. Plus, it offers outstanding customer service and member perks. It has a huge network of healthcare providers, which can be beneficial to subscribers because they can get better perks and discounts.
Cigna has a wide network of healthcare providers, as mentioned earlier. This network of providers consists of pharmacies, doctors, clinics, and hospitals. They can offer you special discounts and services to Cigna subscribers. But these perks can vary from one location to another.
Another perk you can get when you are a Cigna subscriber is the international coverage. If you go to another country and get sick, you are covered by your plan. The coverage will depend on where you are going. You will either receive full or partial coverage.
Furthermore, you are guaranteed renewal when you enroll in one of its Supplement plans. In that case, even if you develop a serious health issue while a Cigna subscriber, you can still renew your plan as Cigna will not deny you coverage because of your health condition. It will continue to renew your coverage if you want to.
However, your rate will be a lot more expensive than the subscribers who are in better health than you. Then again, you can’t be denied coverage once you are part of Cigna’s family.
This company also provides an online member portal that lets you find those facilities that are Cigna-approved. These facilities can offer you discounts and exclusive services. The online portal will also help you update your coverage and know more about your plan. Cigna will also provide you professional advice on what plan you must take based on your medical needs.
Cigna doesn’t just offer Supplement plans. Rather, it has a wide array of health insurance options for individuals and families. With this insurer, there is no shortage of health plan options. In that case, you can be sure that you will find a plan that fits your current circumstance.
Is Cigna the Best Health Insurer?
The only person who can answer that is you. To help you out, make sure to use our site and request quotes. From there, you can compare the rates of its competition. As you check out its prices, you will know how affordable its prices are and how they compare to others.
But don’t just focus on the rates. Instead, you should also study the perks offered by Cigna and compare them to the perks provided by other insurers. Talk to a Cigna insurance agent to find out what it offers in where you live because member perks are specific to a certain part of the country.
Cigna Medicare Supplement plans can help you save money on your healthcare costs. If you are not sure which Supplement plan is ideal for you, please don’t hesitate to contact us. We will be happy to serve you and help you choose the most appropriate plan for your situation.
