Medicare Supplement Insurance Plans

Plans Insured by Cigna Health & Life Insurance Company

Medicare Supplement Insurance Policies Help Pay What Medicare Doesn’t

Plans that help pay some of your out-of-pocket costs.

Why choose Medicare Supplement Insurance?

Pays what Medicare doesn’t

Plans that help pay deductibles, copays, and coinsurance—out-of-pocket costs Original Medicare doesn’t pay.

Freedom from networks

Use any doctors and hospitals you choose who accept Medicare—no referrals required in most cases.2

Freedom to travel

Know you’re covered anywhere in the U.S. and, with some plans, for medical emergencies abroad.3

Guaranteed renewable for life policy

Feel secure knowing your policy cannot be canceled.4

Flexible plan options

A range of plans to choose from—compare costs and coverage for all lifestyles and needs.

Why choose Cigna?

Competitive rates

Enjoy competitive premiums without compromising your coverage.

Dependable service

Cigna is dedicated to helping people improve their health, well-being, and sense of security.

Additional programs and services

You’ll also enjoy no-cost programs and savings as part of becoming a Cigna customer.5

Online access to your plan gives you 1-stop access to your coverage, claims, ID cards, and more. Log in to

Cigna’s No-Cost Programs and Services

Enjoy no-cost perks5 like the following when you become a Cigna customer.

Healthy Rewards Program

Get discounts on health and wellness programs and services.

Health Information Line

Speak with a health advocate6 anytime 24 hours a day, 7 days a week.

Where are you in your Medicare journey?

Select the one that best describes you:

Ready to Shop?

View state disclosures, exclusions, and limitations

1 Insured by Cigna Health and Life Insurance Company, American Retirement Life Insurance Company, Loyal American Life Insurance Company or Cigna National Health Insurance Company. In Kansas and Pennsylvania, Medicare Supplement insurance policies are insured by Cigna National Life Insurance Company. American Retirement Life Insurance Company, Loyal American Life Insurance Company and Cigna Health and Life Insurance Company plans are not available to residents of Kansas or Pennsylvania.

2 In some cases, a referral is required by Medicare. Choose any doctors who accept Medicare.

3 Foreign Travel Emergency. Plans that include this benefit cover 80% of medically necessary emergency care received outside of the U.S., which began during the first 60 days of each trip, after you pay a $250 deductible per calendar year, not to exceed the lifetime maximum of $50,000.

4 Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance. The company reserves the right to increase premiums on a class basis.

5 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.

6 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.

Notice for persons eligible for Medicare because of disability:

In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.

Tennessee Medicare Supplement Policy Forms