Cigna Medicare Supplement

Cigna Medicare Supplement Insurance plans are sold under Cigna Health and Life Insurance Company (CHLIC), American Retirement Life Insurance Company (ARLIC) and also under Cigna National Health Insurance Company(CNHIC). They are currently sold in 48 states and also the District of Columbia. Hence, the only states they are not sold in are New York and Massachusetts. In some states, both plans are offered. Cigna has been in the insurance industry for more than 225 years. Cigna’s A.M. Best rating is A. In other words, their financial strength is excellent.

Cigna believes that being true to yourself is the first step to being truly healthy. As a global health service company with a history of over 220 years in the insurance business, consequently, they are dedicated to helping the people they serve improve their health, well-being and sense of security. Not only are  Cigna Medicare Supplement plans affordably priced, but they also offer additional benefits.

Freedom to Choose Your Doctors

You can use any doctor who accepts Medicare. Above all, about 96% doctors are registered to bill Original Medicare. So, you don’t have to worry about provider networks and referrals because they are not required. Therefore, you can go the doctors you know and trust. You can also use the plan anywhere in the U.S.

Value for Your Money

The goal is to provide affordable coverage but not sacrifice the quality service and support you deserve. A household discount is offered in almost all states. For that reason, Cigna’s Medigap plans are very desirable. Medicare Part A and Part B claims are managed electronically, which eliminates paperwork for both you and the doctor.

Service You Can Count On

Knowledgeable and caring representatives are ready to help you by answering your questions while also providing excellent customer service. Because of that, Cigna is able to provide fast, friendly and efficient customer service at all times.

Guaranteed Renewable for Life

Your policy is guaranteed to be renewed if premiums are paid on time, so you cannot be singled out for a rate increase based on your health, no matter if your health changes. In other words, if you get ill, your rates cannot be increased.

Health Information Line

Call the Health Information Line and speak with a health advocate who is ready to help answer your health questions and therefore guide you in finding the right care. As a result, you get the help you need 24 hours a day, 7 days a week.

Healthy Rewards Discount Programs

Cigna’s customer programs provide additional value to the plans, so below is the list of programs.

• Vision Discounts – Save on routine vision services like exams and eyeglasses at more than 25,000 locations nationwide.
• Hearing Discounts – Receive an average of 62% off retail on name-brands hearing aids and 40% off diagnostic services and testing at more than 5,600 locations.
• Health and Wellness Programs – Enjoy savings on popular weight management, nutrition programs and alternate medicine services such as acupuncture, massage therapy and occupational therapy.
• Active & Fit Direct – Access to over 10,000 fitness clubs, such as YMCA in American Specialty Health’s nation-wide network. Furthermore, you can go to a gym at any time for $25 per month.

Cigna Medicare Supplement Plan F

Medigap Plan F is available with ARLIC, CHLIC and CNHIC. Cigna Plan F enrollment has decreased because people new to Medicare are no longer able to enroll in Plan F.

Cigna Plan F Rates

Below are sample Cigna Medicare Supplement Plan F rates:

Cigna Medicare Supplement Plan G

Cigna Medicare Supplement Plan G is the fastest growing Cigna Medigap plan. The rates are very competitive with the other insurance companies. Cigna is a widely recognized name in the insurance industry.

Cigna Plan G Rates

Below are sample Cigna Medicare Supplement Plan G rates:

CHLIC Cigna Health and Life Insurance Company

CHLIC Cigna Health and Life Insurance Company Medicare Supplement Insurance is offered in the following states:

Arizona

• Besides not having an application fee in Arizona, there is also a household discount of 7%.
• Issue Age is the rating system used
• Plan G rate increased 13% in 2020
• Plan N rate increased 4% in 2020

Colorado

• No application fee combined with a 7% household discount makes Cigna’s plans very attractive
• Attained Age is the rating method in Colorado
• Plan G has averaged a rate increase of 7.6% since 2018

Florida

• Cigna is introducing new plans effective 5-1-20. In addition to not having an application fee, there is also a 3% household discount.
• Rating System: Issue Age
• Plan N has averaged a rate increase of 4.2% since 2018

Indiana

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age

Kansas

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age
• Plan N rate increased 8% in 2019
• Plan G rate also increased 8% in 2019

North Carolina

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age
• Plan G rate has averaged an increase of 5.7% the last 3 years
• Plan N rate has averaged an increase of 4.4% the last 3 years

Nevada

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age
• Plan N rate increased 6% in 2019
• Plan G rate increased 8% in 2019

Pennsylvania

• Besides not having to pay an application fee in Pennsylvania, the household discount is 7%.
• Attained Age is the rating system in Pennsylvania
• Plan N rates are very low

South Carolina

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age
• Plan N rates are very competitive

Virginia

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age

Georgia

• Application Fee: None
• Household Discount: 7%
• Rating System: Issue Age
• Plan G rate increased 12% in 2020
• Plan N rate increased 9% in 2020

Iowa

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age

Idaho –

• Application Fee: None
• Household Discount: None
• Rating System: Issue Age

Illinois

• Coupled with no application fee is a household discount of 7%
• Rating System: Attained Age

Louisiana

• Besides not having an application fee in Louisiana, there is a 7% household discount
• Household Discount: 7%
• Rating System: Attained Age

Maryland

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age

Michigan

• Coupled with no application fee is a household discount of 7%
• Household Discount: 7%
• Rating System: Attained Age

Missouri

• In addition to no application fee, there is also a 7% household discount
• Household Discount: 7%
• Rating System: Issue Age

New Jersey

• Besides not having an application fee in N.J, there is a 7% household discount
• The rating system used is Attained Age

Ohio

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age

Oklahoma

• In addition to no application fee, there is also a household discount of 7%
• The rating system used is Attained Age

Tennessee

• Application Fee: None
• Household Discount: 7%
• Rating System: Attained Age

Texas

• Besides not having an application fee, Cigna Medicare Supplement plans have a household discount of 7%
• Rating System: Attained Age

Utah

• In addition to not having an application fee, there is also a 7% household discount
• Rating System: Attained Age

ARLIC American Retirement Life Insurance Company

ARLIC American Retirement Life Insurance Company Medicare Supplement Insurance is offered in the following states:

Arkansas

• Besides not having an application fee, there is also a household discount of 7%
• Community Rated is used in Arkansas

Indiana

• Although there is an application fee of $20, there is a household discount of 7%
• Rating System: Attained Age

Kansas

• While there is a $20 application fee, there is a 7% household discount
• Rating System: Attained Age

North Carolina

• Application Fee: $20
• Household Discount: 7%
• Rating System: Attained Age

Nebraska

• Although there is an application fee of $20 in Nebraska, the household discount is 7%
• Attained Age is the rating system used

New Mexico

• The application fee is $20 but there is a household discount of 7%.
• Attained Age is the rating system used.

Pennsylvania

• There is an application fee of $20 but there is a household discount of 7%
• Rating System: Attained Age

South Carolina

• Even though there is an application fee of $20, there is a household discount of 7%
• Rating System: Attained Age

West Virginia

• Besides, not having an application fee, there is a household discount of 7%.
• Attained Age is the rating system used

CNHIC Cigna National Health Insurance Company

CNHIC Cigna Medicare Supplement Insurance is offered in the following states:

Alabama

• There is a 6% household discount in Alabama
• Attained Age is the rating system used

Colorado

• There’s a 6% household discount in Colorado
• Attained Age rating method

Indiana

• The household discount is 6%
• Attained Age is used in Indiana

Kansas

• There is a 6% household discount in Kansas
• Attained Age rating system is used.

Louisiana

• The household discount is 6%
• New plans offered effective 5-1-21
• Medigap plans available are A, F, G and N

Michigan

• The household discount is 6%
• New plans effective 5-1-21
• Medigap plans available are A, F, G and N

North Carolina

• The household discount is 6% in North Carolina
• New plans with good rates effective 6-1-21

Nevada

• There’s a 6% household discount in Nevada
• New plans effective 4-1-21

Pennsylvania

• The household discount is 6%
• Medigap plans available are A, B, F, G and N

South Carolina

• There’s a 6% household discount in South Carolina
• The plans are new, effective 6-1-21

Tennessee

• New Medigap plans in Tennessee effective 6-1-21
• Plans offered are A, F, G and N

Utah

• New Medigap plans in Utah effective 4-1-21
• Medigap plans offered are A, F, G and N.

For Cigna quotes, please call us at: 954-384-8647. Also, if you are ready to enroll, one of our licensed agents will help you complete the application. You can also contact us via email at: quotes@medicaresupplementspecialists.com.