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Eligibility & Enrollment
Compare Medicare Supplement (Medigap) Insurance Plans
Plans that help pay deductibles, copays, and coinsurance—out-of-pocket costs Original Medicare doesn’t cover.
Save with Cigna Healthcare1: Up to 25% in discounts available when you apply with us.
Shop and get quotes for Medicare Supplement policies now
Or call:
Monday – Friday, 8 am – 8 pm
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Save up to 25%: 20% in premiums, plus 5% if you apply online. Learn More
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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.
Find a Medicare Supplement Plan That's Right for You
A Medicare Supplement Insurance plan, also called a Medigap plan, is a separate policy that supplements your coverage from Original Medicare Part A and Part B.
When comparing Medicare Supplement Insurance plans, it’s important to note that the government decides what benefits each plan offers, so coverage remains the same across all companies. For example, the basic benefits you’ll receive if you purchase Medicare Supplement Plan G from Cigna Healthcare are the exact same basic benefits you’ll receive if you purchase a Medicare Supplement Plan G from a different insurance company.
Before you compare plans, you might find it helpful to review the basics of Medicare Supplement Insurance and eligibility and enrollment information.
Why choose Cigna Healthcare?
You could save up to 25% with Cigna HealthcareSM including a premium discount of up to 20% plus an additional 5% if you apply online.
Competitive rates
Enjoy competitive premiums without compromising your coverage.
In some states premium discounts* of up to 25% may be available for some applicants.
Dependable service
No additional cost programs and services2
Compare Medicare Supplement Plans and Coverage4
Minnesota and Wisconsin Residents
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**** | |
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Inpatient Hospital Care: Covers the Medicare Part A Coinsurance (after the Part A deductible) |
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Medical Costs: Covers the Medicare Part B Coinsurance (after the Part B Deductible) |
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Blood: Covers the first three pints of blood each year |
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Hospice: Covers Part A Coinsurance |
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Home Health Care and Medical Supplies: Covers Medicare Part A or B cost sharing (after the Part B deductible) |
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Medicare Part A Deductible |
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Medicare Part A: Skilled Nursing Facility Coinsurance (limited to 100 days) |
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Medicare Part B Deductible (Only available if eligible for Medicare prior to 2020) |
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Medicare Part B Excess Charges (100%) |
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Preventive Medical Care Benefit (Not covered by Medicare)***** |
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Foreign Travel Emergency |
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Coverage while in a Foreign Country |
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State-mandated benefits Some examples are: Diabetic Equipment and Supplies, Routine Cancer Screening, Reconstructive Surgery, and Immunizations |
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Additional Benefits (Not Covered by Medicare) |
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*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.
Medicare Supplement Plans in Wisconsin
The following Medicare Supplement insurance plans are available in the state of Wisconsin:
Medicare Supplement Plan Coverage
Policy Benefit
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Basic Plan
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Part A Coinsurance (after the Part A Deductible)
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Part A Inpatient Mental Health
Coverage for 175 days (lifetime) after Medicare inpatient benefits end |
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Part A Skilled Nursing Facility Coinsurance (days 21-100)
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Part B Coinsurance (after the Part B Deductible)*
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Part A Hospice Coinsurance
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First three pints of blood each year
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Home Health Care Up to 40 visits per 12 month period |
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Preventive care Up to $120 each calendar year, not covered by Medicare |
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State mandated benefits
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Additional Benefits Through Optional Riders Each of these riders may be purchased separately. |
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Medicare Part A deductible This rider covers 100% of Medicare Part A Deductible. |
Optional Rider
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Additional Home Health care (365 visits including those paid by Medicare) This rider shall be subject to the same deductible and coinsurance provisions of the policy as other covered services. The maximum weekly benefit for such coverage need not exceed the usual and customary weekly cost for care in a skilled nursing facility. |
Optional Rider
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Medicare Part B Deductible*** Provides 100% coverage for the Medicare Part B annual deductible amount. |
Optional Rider
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Medicare Part B Copayment or Coinsurance In addition to the insured being required to pay the Part B Deductible, the Insured's Copayment or Coinsurance will be the lesser of $20 per office visit or the Medicare Part B Coinsurance and the lesser of $50 per emergency room visit or the Medicare Part B Coinsurance. The emergency room Copayment or Coinsurance fee shall be waived if the insured is admitted to any hospital and the emergency visit is subsequently covered as a Medicare Part A expense. This rider cannot be purchased with the Medicare Part B Deductible Rider. |
Optional Rider
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Medicare Part B Excess Charges This rider covers the difference between the actual Medicare Part B charge as billed and the Medicare-approved amount for that service (up to a maximum of limitation established by the Medicare program or state law). |
Optional Rider
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Foreign Travel Emergency This rider covers eighty percent (80%) of the billed charges for medically necessary emergency care received in a foreign country. Benefits are payable only for emergency care which would have been covered by Medicare if provided in the United States and which began during the first sixty (60) consecutive days of each trip outside the United States. Benefits are subject to a calendar year deductible of $250 and a lifetime maximum benefit of $50,000. |
Optional Rider
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*Except if Part B Copayment or Coinsurance rider is selected
**Usual and customary charges
***The Medicare Part B Deductible Rider is only available if you were eligible for Medicare prior to January 1, 2020
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Copays apply7 |
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Medicare Part A Deductible
Medicare Part A Coinsurance and Coverage for Hospital Benefits
Skilled Nursing Facility Care Coinsurance
Hospice Care Coinsurance or Copayment
Blood (first 3 pints)
Medicare Part B Deductible
Medicare Part B Coinsurance or Copayment
Medicare Part B Excess Charges
Foreign Travel Emergency (up to plan limits)
Additional Programs and Savings offered by Cigna Healthcare2
When are you eligible for Medicare Supplement Insurance?
Retiring at 65? Not retiring until later? Find out when and how you can enroll, how to switch plans, and when is the ideal time to enroll in a Medicare Supplement policy.
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, North Carolina, Ohio, and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In Pennsylvania, insured by Cigna Insurance Company. In Idaho and New Mexico, insured by Cigna Health and Life Insurance Company.
2 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.
3 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.
4 Product availability varies by state and company–get an online quote or call to confirm which plans are available in your state, and to verify complete coverage benefits.
5 Only applicants eligible for Medicare before January 1, 2020, may purchase Plans F, and high-deductible F. Plans F and high-deductible F will not be available to applicants who are newly eligible for Medicare on or after January 1.
6 High Deductible F pays the same as Plan F and requires payment of your costs (coinsurance, copayments, deductibles) for Medicare approved expenses up to the current calendar year deductible amount before the policy pays any benefits. The Medicare deductible changes each year, per Centers for Medicare & Medicaid Services (CMS) guidelines.
7 Plan N pays 100% of the Part B coinsurance, except for a copayment not to exceed $20 for some office visits and a $50 copayment for emergency room visits that don’t result in an inpatient admission.
8 High Deductible G pays the same as Plan G and requires payment for your costs (coinsurance, copayments, deductibles) for Medicare approved expenses up to the current calendar year deductible amount before the policy pays any benefits. The Medicare deductible changes each year, per Centers for Medicare & Medicaid Services (CMS) guidelines. Contributions toward the plan deductible include the Medicare Part B deductible, but do not include the plan’s separate foreign travel emergency deductible.
* 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.
Note: If you have been denied coverage by another company due to certain medical conditions, we may be able to cover you. Call
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.
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.