Shop for Plans
Medicare OverviewMember Resources and Services
Overview- Customer Forms
- Find Your Plan Documents
- Health Risk Assessment
- Premium Payment Options
- Provider and Pharmacy Directories
Group Medicare Plans
- Group Plans Resources
- Group Plans Provider Network
Online Access to Your Plan
- myCigna gives you one-stop access to your coverage, claims, ID cards, providers, and more.
- Log in to myCigna
Eligibility & Enrollment
OverviewShop for Plans
Shop for Plans
Member Resources
Member Resources
Eligibility & Enrollment
Eligibility & Enrollment
Medicare Supplement Eligibility
Find out when you're eligible for a Medicare Supplement insurance policy and how to apply.
Save with Cigna HealthcareSM,1: Up to 25% in discounts available when you apply with us.
Shop and get quotes for Medicare Supplement policies now
Or call:
8 am – 11 pm ET, 7 days a week
Something went wrong
We were unable to load Plan finder tool, please try again later.
Save up to 25%: 20% in premiums, plus 5% if you apply online. Learn More
Am I eligible for Medicare Supplement?
Once you are 65 or older and enrolled in Medicare Part B, you can apply for a Medicare Supplement insurance policy. Medicare Supplement insurance plans may also be available to you in some states if you’re younger than age 65 and eligible for Medicare due to disability.
When can I apply?
You can apply for a Medicare Supplement policy any time. During your open enrollment period, you are guaranteed Medicare Supplement coverage. When applying outside of your open enrollment period, there may be limits based on your previous health history or medical conditions and you could be denied acceptance.
Medicare Supplement open enrollment is a 6-month period during which you can buy any Medicare supplement policy sold in your state, even if you have pre-existing health conditions—you cannot be denied coverage during this period. This starts on the first day of the month after:
- You're 65 (or older) and
- You’re enrolled in Medicare Part B (Medical Insurance)
You may have additional guaranteed issue enrollment periods in your state.
Retiring at 65?
Not retiring until later?
When can I switch plans?
*Plans may be subject to medical underwriting, and coverage may be denied.
Questions about special situations?
Explore Medicare Supplement Plans
Medicare Supplement Plan G
Medicare Supplement High Deductible Plan G
Medicare Supplement Plan N
Medicare Supplement Plan A
Medicare Supplement Plan F
Medicare Supplement High Deductible Plan F
Medicare Supplement Plans Available to Minnesota Residents
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 Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.
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.
Learn More
Online Enrollment Discount
State variations apply. Discount not available in CT, DC, FL, ID, MA, MN, NJ, NY, OH, OR, VA. To qualify for the online discount, you must be a new Medicare Supplement policy holder with Cigna Healthcare*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at Cigna.com to qualify for the discount. If you do not complete the entire application online, and/or call to have an agent submit your application by phone, you will not qualify to receive the online discount. If your spouse is added at the time of application, they are also eligible to receive the online discount per the same terms. Discount qualification determined by Cigna Healthcare. If you qualify, the 5% discount will remain in effect for the life of the policy. For residents of North Dakota, by applying online you save approximately 5%.
Premium Discount
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.
*Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company.
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) |
|
|
|
|
|
| Medical Costs: Covers the Medicare Part B Coinsurance (after the Part B Deductible) |
|
|
|
|
|
| Blood: Covers the first three pints of blood each year |
|
|
|
|
|
| Hospice: Covers Part A Coinsurance |
|
|
|
|
|
| Home Health Care and Medical Supplies: Covers Medicare Part A or B cost sharing (after the Part B deductible) |
|
|
|
|
|
| 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 |
|
|
|
|
|
| Coverage while in a Foreign Country |
|
|
|||
|
State-mandated benefits Some examples are: Diabetic Equipment and Supplies, Routine Cancer Screening, Reconstructive Surgery, and Immunizations |
|
|
|
|
|
| Additional Benefits (Not Covered by Medicare) |
|
|
*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.
Customer Plan Links
Audiences
Other Cigna Healthcare Websites
Medicare Links
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 (
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.