Cigna Logo

Cigna

check_circleVerified

star star star star_half star_border
12 User Reviews

6.5

Overall Score

error This company may not service all states.
See states serviced
LAST UPDATED: April 29th, 2021

Cigna is a well-known and trusted health insurance company. Its industry experience makes it a good choice for health insurance and Medicare plans. Those eligible for Medicare have two options: Original Medicare or Medicare Advantage. The Medicare program you choose will affect how you enroll and shop for Medicare coverage.

Original Medicare (Part A and Part B) is managed by the federal government, though people can purchase Medicare supplemental insurance from private insurance carriers for additional help paying out-of-pocket costs.

Medicare Advantage (Part C) and Medicare Prescription Drug plans (Part D) are private Medicare plans. Medicare Dual Special Needs plans are also available to those eligible for Medicare and Medicaid services.

As you evaluate Medicare plans, consider what each insurance carrier offers and each plan's network, coverage, and cost to fully understand the Medicare benefits offered.

Cigna offers Medicare Advantage, prescription drug, and Medigap plans. Its Medigap plans come with some nice perks, like Cigna Healthy Rewards ® and access to Cigna's Health Information Line. Specific offerings vary by state, but Cigna makes it easy to see what's available to you online.

Read Cigna Medicare Reviews

thumb_up

The Good

  • 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.

Get Quote

thumb_down

The Bad

  • 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.

gavel

The Bottom Line

Cigna is a worth considering when looking for Medicare insurance coverage. While Cigna 's plans and perks vary by state, it does have a good selection of Medicare Advantage, prescription drug, and Medigap plans.

A full recommendation based on the Medicare beneficiary experience is not currently available for Cigna due to an insufficient number of reviews. However, it is a good sign that a majority of Cigna's reviews are positive.

Cigna is an especially good option for those interested in prescription drug or Medicare supplement coverage. Cigna's Medicare offerings for employers are also nice. For more information on Cigna's plans in your location, visit Cigna's website.

Was this content helpful?
thumb_up Yes thumb_down No

We'll Introduce You!

Call our recommended rep over at Cigna below.

1-(855) 337-8595

Star Rating

3.5

star star star star_half star_border

12 Reviews

Review Breakdown

5 grade

33%

4 grade

33%

3 grade

8%

2 grade

0%

1 grade

25%

Sentiment Criteria

Value

star star star star_half star_border

Quality

star star star star_half star_border

Service

star star star star_half star_border

Trustworthiness

star star star star_half star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star star star star

Eddie Rios Ogden, UT

Cigna health care coverage is superb. They helped us keep on track of medical billing and covered everything they should have with minimal stress. This insurance organization does support its customers well with accurate policies, favorable guidelines and easy payments.

1 year ago

star star_border star_border star_border star_border

Cassandra Lutjen Woodbridge, VA

I'll keep it brief. ONE CT scan costing me over $6000, and EVEN having "out of network" charges although I went to a provider IN-NETWORK. Worth your money? Absolutely not. I signed up through the marketplace. Mind you I've been with Anthem, Kaiser, and a few other companies through the Marketplace before Cigna. Being self-employed, I have to pay out of pocket. In 2019 I picked Cigna. Cigna took it upon themselves to label me a dependent to my husband and would NOT give me access to my children's medical information, ALTHOUGH my husband NEVER (and this is 100% accurate and not one iota of an exaggeration) enrolled us in a plan or managed any portion of our healthcare in the 8 years of our marriage. Cigna said it was a Marketplace issue... untrue. I called them to confirm. I also can validate that other providers through the marketplace have never labeled me a dependent and in-fact ensure I'm the primary since I manage our care.

1 year ago

star star_border star_border star_border star_border

Pop Minnick Lewes, DE

One Star is too much! Not one of the worst but CIGNA Springs Medicare Advantage plan IS UNEQUIVOCAL THE WORST plan out there for Seniors. No less than 11 Appeals just to get basic care for a patient who suffered severe brain damage coupled to three subsequent strokes now a near vegetable. Primarily responsible by the constant declination of services by this company to continue with her care. Recently forcing her out of Acute Care and when going to sub Acute was declined by the facility as patient being too critical for sub Acute yet we had to Appeal their decesion and even then they are putting her out with no where to go other than to home to die. Care limited to profitability margins. Care is not the priority only the lure to kill. Stay the F away.

2 years ago

check_circle

Review Source

star star star star star_border

Nena McFarland Aurora, CO

I use Cigna's Medicare drug plan and chose it because of a very expensive drug that I was using for my medical condition. When time to pay for this drug, Cigna declined as it was not considered a drug for that specific condition. Although that was upsetting, Cigna has paid well on all my other prescriptions.

1 year ago

star star star star_border star_border

Keri Wilson Houston, TX

We use Cigna for our health care. I do like some of there coverage however I don't like that they force us to use Cigna home pharmacy. I also don't like that they don't always want to cover what our doctor thinks is medically necessary.

1 year ago

star star star star star

Mickey Wilson Sacramento, CA

I love Cigna, they’ve been our dedicated health insurance for years and years. Going on their website makes finding a new doctor or service incredibly easy

1 year ago

check_circle

Review Source

star star star star star

Justin McMurtrey South Jordan, UT

We switched over to Cigna this last year and have been very pleased. They have great customer service and they had most of our doctors on there network.

1 year ago

check_circle

Review Source

star star star star star_border

Aunt Cathy Bay Saint Louis, MS

Not happy that you had to send a copy of your bill from the doctor even though they approved it and had their own copy of our bill(s).. I think that was what kept me from liking them

1 year ago

star star star star star

Albert Shapiro Georgetown, TX

They Pay all of my medical bills that Medicare doesn't pay for. I have no put of pocket medical bills.

1 year ago

star star_border star_border star_border star_border

bill W Quakertown, PA

MYPolicyhq - Cigna is probably the worst Medicare ins company out there. They take forever to pay Part B claims. And when they do finally pay (2 months Later) he claims still do not show up on the website. A user has no way of checking on the status of claims. CIGNA you need to clean up your service.....

2 years ago

check_circle

Review Source

star star star star star_border

Madison Kneiss Long Beach, MS

I loved having access to my account at the tip of my fingers with their phone app. Customer service is great even tho it is a little pricey I wish my company never switched

1 year ago

check_circle

Review Source

star star star star star_border

RJ Calhoun, LA

Very pricy, but the coverage is good in Medicare supplement plan F, so it pays to have it!

1 year ago

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information