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Cigna Medicare Supplement (Medigap) Insurance Plans

Compare Medicare Supplement (Medigap) Plans

Compare Medicare Supplement (Medigap) Insurance Plans

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

Save with Cigna Healthcare¹: Up to 25% in discounts available when you apply with us.

Shop and get quotes for Medicare Supplement policies now

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Save up to 25%: 20% in premiums, plus 5% if you apply online. Learn More

Find a Medicare Supplement Plan That's Right for You

A Medicare Supplement Insurance plan, also called a Medigap plan, is a separate policy that supplements your coverage from Original Medicare Part A and Part B.

When comparing Medicare Supplement Insurance plans, it’s important to note that the government decides what benefits each plan offers, so coverage remains the same across all companies. For example, the basic benefits you’ll receive if you purchase Medicare Supplement Plan G from Cigna Healthcare are the exact same basic benefits you’ll receive if you purchase a Medicare Supplement Plan G from a different insurance company.

Before you compare plans, you might find it helpful to review the basics of Medicare Supplement Insurance and eligibility and enrollment information.

Why choose Cigna Healthcare?

You could save up to 25% with Cigna Healthcare^SM including a premium discount of up to 20% plus an additional 5% if you apply online. Learn more

Competitive rates

Enjoy competitive premiums without compromising your coverage.

In some states premium discounts* of up to 25% may be available for some applicants.

Dependable service

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

No additional cost programs and services²

Healthy Rewards^® offers discounts on health and wellness programs and our Health Information Line gives you 24/7 phone access to a health advocate.³

Compare Medicare Supplement Plans and Coverage⁴

Minnesota and Wisconsin Residents

Minnesota specific plan information

Wisconsin specific plan information

Medicare Supplement Plans in Minnesota

The following Medicare Supplement Insurance plans are available in the state of Minnesota:

Medicare Supplement Plan Coverage

	Basic Plan	Extended Basic Plan^***	High Deductible Coverage Plan^**	$20/$50 Copayment Plan	Extended Basic Plan 2020^****
Inpatient Hospital Care: Covers the Medicare Part A Coinsurance (after the Part A deductible)				100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER
Medical Costs: Covers the Medicare Part B Coinsurance (after the Part B Deductible)				100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER
Blood: Covers the first three pints of blood each year				100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER
Hospice: Covers Part A Coinsurance				100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER
Home Health Care and Medical Supplies: Covers Medicare Part A or B cost sharing (after the Part B deductible)				100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER
Medicare Part A Deductible	*
Medicare Part A: Skilled Nursing Facility Coinsurance (limited to 100 days)
Medicare Part B Deductible (Only available if eligible for Medicare prior to 2020)	*
Medicare Part B Excess Charges (100%)	*
Preventive Medical Care Benefit (Not covered by Medicare)*****	*
Foreign Travel Emergency	Pays 80%	Pays 80%	Pays 100%	Pays 80%	Pays 80%
Coverage while in a Foreign Country		Pays 80%			Pays 80%
State-mandated benefits Some examples are: Diabetic Equipment and Supplies, Routine Cancer Screening, Reconstructive Surgery, and Immunizations
Additional Benefits (Not Covered by Medicare)		Pays 80%			Pays 80%

^*Indicated an Optional Benefit Rider is available for an additional premium.

^**Benefits from the High-Deductible Coverage Plan will not begin until out-of-pocket expenses exceed $2,700. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductible for Part A.

^***100% of additional covered expenses after you spend $1,000 of out-of-pocket costs for a Calendar Year. Coverage for the Part B Deductible is available only if you are first eligible for Medicare before January 1, 2020.

^****100% of additional covered expenses after you spend $1,000 of out-of-pocket-costs for the Calendar Year. The Extended Basic Plan 2020 does not provide coverage for the Medicare Part B Deductible and is available to all applicants who are first eligible for Medicare on or after January 1, 2020. The Extended Basic Plan that provides coverage for the Medicare Part B Deductible is available only if you are first eligible for Medicare before January 1, 2020.

^*****Annual physical and preventive tests and services administered or ordered by a Physician when not covered by Medicare. Up to $120 each Calendar Year for routine annual medical exam including diagnostic X-rays and laboratory services.

MS-SITE-FindPlan2020-MN

948131 09/20

Medicare Supplement Plans in Wisconsin

The following Medicare Supplement insurance plans are available in the state of Wisconsin:

Medicare Supplement Plan Coverage

Policy Benefit	Basic Plan
Part A Coinsurance (after the Part A Deductible)
Part A Inpatient Mental Health Coverage for 175 days (lifetime) after Medicare inpatient benefits end
Part A Skilled Nursing Facility Coinsurance (days 21-100)
Part B Coinsurance (after the Part B Deductible)*
Part A Hospice Coinsurance
First three pints of blood each year
Home Health Care Up to 40 visits per 12 month period
Preventive care Up to $120 each calendar year, not covered by Medicare
State mandated benefits Inpatient Psychiatric Care Breast Reconstruction^ Chiropractic Services^ Kidney Disease Treatment Colorectal Cancer Screening Eligible hospital, ambulatory surgery center charges and anesthesia for dental care^** Additional 30 days of skilled nursing care in a skilled nursing facility Equipment/supplies for treatment of Diabetes
Additional Benefits Through Optional Riders Each of these riders may be purchased separately.
Medicare Part A deductible This rider covers 100% of Medicare Part A Deductible.	Optional Rider
Additional Home Health care (365 visits including those paid by Medicare) This rider shall be subject to the same deductible and coinsurance provisions of the policy as other covered services. The maximum weekly benefit for such coverage need not exceed the usual and customary weekly cost for care in a skilled nursing facility.	Optional Rider
Medicare Part B Deductible^*** Provides 100% coverage for the Medicare Part B annual deductible amount.	Optional Rider
Medicare Part B Copayment or Coinsurance In addition to the insured being required to pay the Part B Deductible, the Insured's Copayment or Coinsurance will be the lesser of $20 per office visit or the Medicare Part B Coinsurance and the lesser of $50 per emergency room visit or the Medicare Part B Coinsurance. The emergency room Copayment or Coinsurance fee shall be waived if the insured is admitted to any hospital and the emergency visit is subsequently covered as a Medicare Part A expense. This rider cannot be purchased with the Medicare Part B Deductible Rider.	Optional Rider
Medicare Part B Excess Charges This rider covers the difference between the actual Medicare Part B charge as billed and the Medicare-approved amount for that service (up to a maximum of limitation established by the Medicare program or state law).	Optional Rider
Foreign Travel Emergency This rider covers eighty percent (80%) of the billed charges for medically necessary emergency care received in a foreign country. Benefits are payable only for emergency care which would have been covered by Medicare if provided in the United States and which began during the first sixty (60) consecutive days of each trip outside the United States. Benefits are subject to a calendar year deductible of $250 and a lifetime maximum benefit of $50,000.	Optional Rider

^*Except if Part B Copayment or Coinsurance rider is selected

^**Usual and customary charges

^***The Medicare Part B Deductible Rider is only available if you were eligible for Medicare prior to January 1, 2020

MS-SITE-FindPlan2020-MN

948133a 11/21

	Plan G Details	High Deductible Plan G⁸ Details	Plan N Details	Plan A Details	Plan F⁵ Details	High Deductible Plan F^{5, 6} Details
Medicare Part A Deductible
Medicare Part A Coinsurance and Coverage for Hospital Benefits
Skilled Nursing Facility Care Coinsurance
Hospice Care Coinsurance or Copayment
Blood (first 3 pints)
Medicare Part B Deductible
Medicare Part B Coinsurance or Copayment			Copays apply⁷
Medicare Part B Excess Charges
Foreign Travel Emergency (up to plan limits)
Additional Programs and Savings offered by Cigna Healthcare²

Medicare Part A Deductible

Within each benefit period, for your first 60 days of hospital services, Medicare will cover all services after the Part A deductible cost has been reached. (You are responsible for the deductible cost unless you have a Medicare Supplement insurance plan that covers it.)

Medicare Part A Coinsurance and Coverage for Hospital Benefits

Applies to days 61-150 of your stay in the hospital. (Coinsurance is the portion of costs you pay after you’ve paid your deductible.)

Skilled Nursing Facility Care Coinsurance

Medicare pays all eligible expenses for your first 20 days in the facility. From day 21-100, you are responsible for coinsurance, or a portion of the cost (unless you have a Medicare Supplement insurance plan that covers it).

Hospice Care Coinsurance or Copayment

Medicare pays all but very limited copayment/coinsurance for outpatient drugs and inpatient respite care. A copayment is the amount you pay for each medical service. For example, a Physician’s Visit. Coinsurance is the percent of the Medicare approved amount that you have to pay after you pay the deductible for Part A and/or Part B.

Medicare Part B Deductible

The annual deductible, an amount you pay before Medicare benefits will kick in to cover physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.

Medicare Part B Coinsurance or Copayment

Includes coverage for doctor's services and supplies. A copayment is the amount you pay for each medical service. For example, a Physician’s Visit. Coinsurance is the percent of the Medicare approved amount that you have to pay after you pay the deductible for Part A and/or Part B.

Medicare Part B Excess Charges

A doctor may charge an amount for services that exceeds what Medicare covers. The charged amount that exceeds Medicare coverage is called an excess charge. Medicare limits the extra amount a doctor can charge to 15%. You are responsible for excess charges unless you have a Medicare supplement plan that covers them.

Foreign Travel Emergency (up to plan limits)

Plans that include this benefit cover 80 percent 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.

Additional Programs and Savings offered by Cigna Healthcare²

Programs and services offered at no additional cost to you, as part of a Medicare Supplement plan. Cigna Healthy Rewards® and Health Information Line are just 2 examples of additional no-cost programs and savings you receive with a Medicare Supplement insurance plan.

When are you eligible for Medicare Supplement Insurance?

Retiring at 65? Not retiring until later? Find out when and how you can enroll, how to switch plans, and when is the ideal time to enroll in a Medicare Supplement policy.

View Medicare Supplement eligibility

View Medicare Supplement state disclosures, exclusions, and limitations

¹ Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. In Kansas, insured by Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas and Kentucky. In Illinois, Maryland, New Mexico, North Carolina, Ohio, and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In Pennsylvania, insured by Cigna Insurance Company. In Idaho, insured by Cigna Health and Life Insurance Company.

² 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.

³ 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.

⁴ Product availability varies by state and company–get an online quote or call to confirm which plans are available in your state, and to verify complete coverage benefits.

⁵ Only applicants eligible for Medicare before January 1, 2020, may purchase Plans F, and high-deductible F. Plans F and high-deductible F will not be available to applicants who are newly eligible for Medicare on or after January 1.

⁶ High Deductible F pays the same as Plan F and requires payment of your costs (coinsurance, copayments, deductibles) for Medicare approved expenses up to the current calendar year deductible amount before the policy pays any benefits. The Medicare deductible changes each year, per Centers for Medicare & Medicaid Services (CMS) guidelines.

⁷ Plan N pays 100% of the Part B coinsurance, except for a copayment not to exceed $20 for some office visits and a $50 copayment for emergency room visits that don’t result in an inpatient admission.

⁸ High Deductible G pays the same as Plan G and requires payment for your costs (coinsurance, copayments, deductibles) for Medicare approved expenses up to the current calendar year deductible amount before the policy pays any benefits. The Medicare deductible changes each year, per Centers for Medicare & Medicaid Services (CMS) guidelines. Contributions toward the plan deductible include the Medicare Part B deductible, but do not include the plan’s separate foreign travel emergency deductible.

^* State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.

Note: If you have been denied coverage by another company due to certain medical conditions, we may be able to cover you. Call 1 (855) 809-1285 to learn more and see if you qualify.

View Kansas disclosures, exclusions, and limitations

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

Plan A: CIC-MS-AA-A-TN; Plan F: CIC-MS-AA-F-TN; Plan G: CIC-MS-AA-G-TN; Plan HDG: CIC-MS-AA-HDG-TN; Plan N: CIC-MS-AA-N-TN.

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Medicare Advantage and Medicare Part D Policy Disclaimers

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.

To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (), 24 hours a day, 365 days a year, TTY . Please include the agent/broker name if possible.

Medicare Supplement Policy Disclaimers

Medicare Supplement website content not approved for use in: Oregon.

AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.

Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.

The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.

This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.

In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.

Kansas Disclosures, Exclusions and Limitations

Medicare Supplement Policy Forms: Plan A: CIC-MS-AA-A-KS, CIC-MS-AO-A-KS; Plan F: CIC-MS-AA-F-KS, CIC-MS-AO-F-KS; Plan G: CIC-MS-AA-G-KS, CIC-MS-AO-G-KS; Plan HDG: CIC-MS-AA-HDG-KS, CIC-MS-AO-HDG-KS; Plan N: CIC-MS-AA-N-KS, CIC-MS-AO-N-KS

Exclusions and Limitations:

The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:

(1) the Medicare Part B Deductible;

(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;

(3) any services that are not medically necessary as determined by Medicare;

(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;

(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;

(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or

(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website.

Y0036_25_1271910_M | Page last updated 10/15/2024