Cigna Medicare Supplement Plans 2025
Cigna is a global health service company with approximately 70 million customers worldwide, serving people for over 220 years. Cigna Medicare supplement insurance plans are offered by ARLIC and Loyal American which are operating subsidiaries of the Cigna Corporation.
Cigna has released its latest Medicare Supplemental Plan, Cigna Supplemental (Supp) Solutions, insured by The American Retirement Life Insurance Company (ARLIC) to replace or enhance existing Loyal American Insurance in several states.
Cigna Medicare Supplement Insurance Plans 2025
Once you are eligible for Medicare, you have the option to add a Medigap (Supplement) plan to extend your coverage. There are several types of plans available in various states. With many seniors having spouses still under 65, extra benefits are necessary to cover unpaid medical expenses.
ARLIC and Loyal American Plan Advantages
When you sign up for ARLIC Cigna, you have the option of applying for Loyal’s lump sum benefits. Loyal’s affordable Cancer and Heart Attack & Stroke Insurance offers a low cost for extra Medicare coverage with a lump sum benefit of $5,000 to $50,000.
Unlike other insurance carriers, Loyal’s Cancer and Heart Attack & Stroke Insurance covers individuals up to age 80. This can make a huge difference when you get hit with large medical bills. Loyal also offers Cash Advantage Critical Illness Insurance and Hospital/Surgical Fixed Indemnity Insurance.
Statewide and Regional Coverage
ARLIC Cigna Medicare Supplement plans are available in a number of states, including AL, IA, KY, LA, MS, MT, NM, NV, OK, WV, SC and SD.
Loyal American Medicare supplement plans are available in Alaska, Idaho, Maine, Michigan, Minnesota, New Jersey, Oregon, Vermont, Washington, Washington D.C., and Wisconsin.
What You Need to Know About Cigna Medicare Supplement Plans
You cannot be singled out for a rate increase based on your health, no matter how many times you receive benefits. The policy’s rate structure is based on attained age (except in AZ, AR, FL, GA, and MO where the policy rate structure is based on issue age, and premiums can only be increased by class).
Other than increases due to your age, your premium will only change when:
- the same premium change is made on the same form issued to persons of your classification in the same geographic area of your state
- if coverage under Medicare changes
- if you move to a different zip code location
Exclusions and Limitations
Not all plans are available in all states. Check your state’s outline of coverage for availability. The combined benefits of ARLIC or Loyal American Supplement Policies with Medicare coverage will not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred.
Any expenses sustained relating to a pre-existing condition will not be covered for the first six months (6) starting from the effective date of coverage (90 days in Wyoming).
To start an application today, contact one of our Personal Benefits Manager at 1-800-913-3416, or choose an available time for a phone or screen-share meeting. Our professional and knowledgeable Personal Benefits Manager can assist you with choosing the best plan that meets your personal needs and has the lowest rate, plus answer any questions you may have–free of charge. Give us a call. We’d love to help! You can also get a free instant quote.
Cigna Frequently Asked Questions
What Medigap plans does Cigna sell?
Cigna has a relatively limited menu of Medicare supplement plans. But they do sell the most popular plans, including Plans A, F, G, and N. They also sell the high-deductible version of Plan G.
What states does Cigna Medigap operate in?
Cigna operates in all states except Massachusetts and New York. They also operate in the District of Columbia.
However, you can still use your Medicare supplement benefits in Massachusetts and New York at any doctor or provider who takes Medicare patients.
Are other benefits available to Cigna Medicare supplement enrollees?
Cigna allows Medigap enrollees access to their Healthy Rewards Program, which provides discounts for healthy lifestyles and choices.
They also provide access to a nurse-staffed 24-hour health information line.
Reviewed by Mike Montes
Fact checked by Wiley Long
Cigna Medicare Supplement Reviews
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Top-notch plan!
I couldn’t be happier with Cigna’s Medicare Supplement plan. It’s affordable, covers all my medical bills, and I’ve never had any issues.
Amazing coverage and service!
Cigna Medicare Supplement has been fantastic. They cover everything I need, and the claims process is smooth and fast.
Prompt Claim Processing, Limited Preventive Care
One of the things I appreciate about Cigna is their prompt claim processing. I’ve never had any issues with getting claims approved and reimbursed quickly. However, I’ve noticed that their coverage for preventive care services is somewhat limited. It would be great if they could expand their preventive care offerings to better support their members’ overall health.
Cigna has consistently met my healthcare needs
I’ve been a Cigna customer for a while now, and my experience has been quite positive. The customer service is excellent, with their representatives always ready to assist and provide helpful information. The coverage they offer is comprehensive, and I’ve had a smooth experience with claim processing. The network of healthcare providers is extensive, ensuring I have access to a wide range of healthcare options. While the premium cost can be a bit high, the quality of service and peace of mind it offers make it a valuable choice. Cigna has consistently met my healthcare needs.
A Seamless Healthcare Experience
Their commitment to transparency in pricing and coverage details is refreshing. Cigna has simplified the often complex world of healthcare, and I couldn’t be happier with the service they provide.