Cigna

• Positive Customer Reviews
• Good Medicare Options
• Medicare Supplement Insurance Plan Perks
• Medicare Plans Through Employers

Positive Customer Reviews

Cigna has received a majority of positive reviews on Best Company. Although Cigna's total review count is low, it's promising that most of Cigna's reviews are four or five stars.

Praise includes satisfaction with coverage and customer support.

Good Medicare Options

Cigna offers several Medicare plans: Medicare Advantage Plans, Part D, and Medicare Supplement Insurance (Medigap). It also offers Medicare plans that just cover medical services. Those who qualify for both Medicare and Medicaid should contact the insurance carrier directly to see if Dual Special Needs plans are available. If not, you may have to consider other Medicare providers.

Cigna Medicare Advantage plans combine Part A, Part B, and offer some prescription drug coverage. These are a great option for people interested in reducing the number of monthly premium payments into one.

For prescription drug coverage, you can also purchase Cigna Medicare Part D. These plans also include participation in one of Cigna's Healthy Rewards programs. You'll have access to discounts on health and wellness produces and services.

Cigna Medicare Supplement (Medigap) plans are renewable for life and supply additional coverage to enhance Medicare Part A and Part B plans by helping to pay for Medicare out-of-pocket expenses (coinsurance and copayments).

Medicare Parts A and B are often called Original Medicare or Traditional Medicare. A Medigap policy also offers coverage throughout the United States when receiving care from doctors that accept Medicare.

Some Medigap plans offer health insurance coverage for emergencies while traveling abroad. This is especially important for those who plan to travel.

Cigna has secure online payment methods for its plans.

Medicare Supplement Insurance Plan Perks

Cigna’s Medicare Supplement Insurance (Medigap) plans come with some nice perks:

• Discounts for households
• Health Information Line

When multiple members of the same household enroll in Cigna Medicare supplement insurance, it offers a discounted rate.

Cigna's Health Information Line offers telephone access to a clinician around the clock. This line helps customers find quick answers to their health questions, understand symptoms they may be experiencing, and choose the best way to address them.

Discounts for multiple Medicare beneficiaries of a household enrolling in a Cigna Medicare supplement plan and access to a health information line make these plans more valuable.

Medicare Plans Through Employers

Cigna offers the following Medicare plans that employers can offer their employees and retirees:

• Cigna-HealthSpring^® Medicare Advantage
• Cigna-HealthSpring^® Rx

The Cigna Health-Spring^® Medicare Advantage plans can be either HMO or HMO-POS plans. These plans include coverage for hospital and medical services and prescription drugs.

The Cigna-HealthSpring^® Rx plans offer coverage for prescriptions.

Cigna also offers two other plans designed to meet the needs of retirees. However, these plans are not offered under a federal contract.

• Cigna Medicare Surround^®
• Cigna Medicare Expand^®

Cigna Medicare Surround^® offers additional cost-sharing features that compliment Part A and Part B. However, it is an indemnity plan.

Cigna Medicare Expand^® plans are a secondary insurance option for individuals with Medicare.

These plans are designed to work with Medicare plans to enhance coverage.

In addition, Cigna offers drug subsidy support services and benefit administration services for retirees.

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• Limited Customer Insight
• Plan Specifics and Options Vary by State

Limited Customer Insight

Cigna does not have many reviews on its Best Company Medicare profile. Some reviews aren't specifically for Medicare either. These factors mean that a recommendation based on the customer experience is not available.

Plan Specifics and Options Vary by State

For more specific information on Medicare policy options, benefits, premiums, deductible and out-of-pocket amounts, and other cost-sharing and coverage details, interested Medicare beneficiaries should consult Cigna's site.

Cigna's website makes it easy to see plan options available in your area and the specific details of each plan. While it is frustrating not to have general cost information available, this is common for the industry and Cigna makes it easy to see Medicare coverage options in your area.