Aetna vs Cigna

Medicare Advantage

While specific plan options and network structures may vary depending on your location, Cigna's plans offer team-based support. This support feature means that case managers and pharmacists work with doctors and specialists to ensure that you receive the best health plan. 

Cigna offers Advantage plans with in-network coverage (HMO) and a chronic special needs plan (C-SNP) designed for members with chronic illness.

Aetna's Medicare Advantage plans include perks like SilverSneakers® fitness membership, prescription home delivery, a 24-hour nurse hotline, and a Resources for Living® program that helps you find services in your community. These additional benefits make Aetna a nice choice for Medicare Advantage plans.

Aetna's has more variety than Cigna. Aetna's offerings include HMO plans, PPO plans with in- and out-of-network coverage, and Dual Special Needs Plans (D-SNP) for individuals qualifying for Medicaid and Medicare. Aetna also offers an HMO-POS plan that offers some out-of-network coverage for some services. 

Prescription Drug Plans

Cigna offers limited general information about its plans. For specific information, you'll need to input your zip code to learn more about offerings in your area. However, Cigna's Prescription Drug Plans include participation in Cigna-HealthSpring Rx Healthy Rewards®. This program offers discounts on fitness, vision, hearing, weight, nutrition, alternative medicine, and more.

Aetna is more forthcoming with information about its plans. It offers two options with different levels of cost-sharing. Both plans offer home delivery for your prescriptions.

To determine which plan is best for you, you'll need to see what Cigna offers in your area and compare each plan's drug formulary, cost-sharing, and benefits to determine which plan is best for you. While Cigna's Prescription Drug Plans have nice benefits, you need to ensure that you're getting the coverage you need.

Medicare Supplement Insurance

To learn more about Cigna's Medigap plans, you need to call them. This process isn't as convenient as being able to view options online. 

In contrast, Aetna makes it easy to view the Medigap Plans it offers in your area after inputting your zip code online. While this process isn't as helpful for general information and comparisons, it is more convenient than making a phone call.

It's hard to say which insurer is best for Medicare because of the limited general information available. The best way to determine which company is best for you is to compare your options from each plan. As you make the comparison, keep in mind that Cigna has received higher star ratings from customers on Best Company.