Jane Dotson
Cigna is a coverage provider that offers Medicare supplemental insurance and Medicare Advantage plans for adults over 65. Its Medicare supplemental insurance, also referred to as Medigap, can help senior citizens pay for out-of-pocket expenses not covered by Medicare. Cigna offers low prices and solid discounts, but competitors might have more types of plans or lower complaint rates. Cigna has poor customer service reviews for its Medicare Supplement policies, with 52% more complaints than expected for a company its size. However, customer satisfaction largely depends on the company within Cigna that the plan comes from. Cigna's Medicare Supplement Insurance plans offer good coverage and affordable premiums, and rating agencies generally view them in a positive light.
| Characteristics | Values |
|---|---|
| Rating | 4 out of 5 stars |
| Pros | Low prices, significant discounts, good coverage, affordable premiums, widely available, flexible options, no-cost programs, free quotes |
| Cons | Higher-than-average complaint rates, poor customer service, limited plan variety, limited extras |
| Availability | Available in all 50 states, but plans vary by state |
| Discounts | 5% discount for applying online, up to 20% discount depending on the state, 5% discount for North Dakota residents |
| Plan Types | Medicare Supplement Insurance (Medigap), Medicare Advantage, Part D plans, whole life insurance, cancer treatment insurance, business insurance |
| Plan Options | Plan A, Plan F, Plan G, Plan HDG, Plan N, Plan B, Plan D, Basic, Extended Basic, High Deductible |
| Customer Satisfaction | Positive reviews, good customer satisfaction, constructive comments |
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What You'll Learn
- Cigna Medicare Supplement Insurance plans are rated 4/5 stars
- Cigna has 52% more complaints than expected for a company of its size
- Cigna offers low prices and solid discounts
- Cigna's Medicare Supplement Insurance plans have higher-than-average complaint rates
- Cigna offers Medicare Supplement Insurance in 48 states and Washington, D.C
Cigna Medicare Supplement Insurance plans are rated 4/5 stars
Cigna Medicare Supplement Insurance plans, also known as Medigap insurance, have received a rating of 4 out of 5 stars. Cigna is a large insurer that offers Medicare Supplement Insurance plans in most U.S. states. Its plans are available to purchase in 48 states and Washington, D.C. Cigna Medicare Supplement Insurance plans offer good coverage and affordable premiums. The company provides a range of plans, from those that maximize coverage to those with lower premiums but predictable out-of-pocket expenses.
Cigna Medicare Supplement Insurance plans are highly rated by customers for their low prices and solid discounts. Cigna's premiums are often among the lowest on the market, and the company offers several options for discounts on premiums. For example, customers can receive a 5% discount by applying for a policy online, and an additional discount of up to 20% depending on the state they live in. Cigna also offers a range of no-cost programs with its Medicare Advantage plans, such as behavioural and emotional support, case managers, health and wellness discounts, and medication therapy management.
However, it is important to note that Cigna has higher-than-average complaint rates, particularly regarding its customer service. According to the National Association of Insurance Commissioners (NAIC), Cigna has 52% more complaints about its Medigap plans than expected for a company of its size. Additionally, Cigna's variety of Medigap plan types and bundled extras are not as competitive as those offered by other companies.
Overall, Cigna Medicare Supplement Insurance plans are a good option for those seeking affordable premiums and good coverage. However, customers should also consider the higher-than-average complaint rates and limited variety of plan types and extras when making their decision.
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Cigna has 52% more complaints than expected for a company of its size
Cigna is a large insurer that offers Medicare Supplement Insurance plans, also known as Medigap insurance, in most U.S. states. Cigna has received positive reviews for its Medicare Supplement Insurance plans, with customers praising its low prices, solid discounts, and dependable service.
However, according to the National Association of Insurance Commissioners (NAIC), Cigna has received 52% more complaints about its Medigap plans than expected for a company of its size. This is likely due to a variety of factors, including communication issues, lengthy application processes, and poor customer service.
For instance, one customer review mentions the "terrible" communication between Cigna representatives across different departments, resulting in delays and confusion during the application process. Another review highlights that Cigna's complaint rates, plan type variety, and bundled extras aren't fantastic when compared to other companies.
Despite these complaints, it is important to note that customer satisfaction can vary depending on the specific plan and company within Cigna. For example, plans from the American Retirement Life Company, one of Cigna's subsidiaries, receive considerably fewer complaints than expected.
Overall, while Cigna's Medicare Supplement Insurance plans offer good coverage and affordable premiums, the company's higher-than-average complaint rates are a factor that potential customers should consider when making their insurance choices.
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Cigna offers low prices and solid discounts
Cigna offers Medicare Supplement Insurance, also known as Medigap, to help senior citizens pay for out-of-pocket expenses not covered by Medicare. Cigna offers low prices and solid discounts on its Medicare Supplement Insurance plans.
Cigna's Medicare Supplement Insurance plans have received positive reviews from rating agencies, with good customer satisfaction levels. The plans offer good coverage and affordable premiums, with several options for discounts on premiums. Cigna's premiums are often among the lowest on the market, with competitive rates and flexible options.
For example, a quote for a 69-year-old in Phoenix, Arizona, for a basic HMO package that covers over-the-counter items and inpatient, skilled nursing facility, outpatient, mental health, emergency room, and international care, is approximately $57.24 per month or $687 per year.
Cigna also offers a 5% online discount for new Medicare Supplement policyholders who submit their applications online. Additionally, Cigna's Healthy Rewards Program provides discounts on health and wellness programs and services.
While Cigna offers low prices and solid discounts, it is important to consider that competitors may offer more types of plans or have lower complaint rates. Cigna's Medicare Supplement Insurance plans have higher-than-average complaint rates, and the variety of Medigap plan types and extra perks is limited.
Overall, Cigna's Medicare Supplement Insurance plans provide a good option for those seeking low prices and discounts, but it is recommended to compare their plans with other companies to find the best fit for your needs.
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Cigna's Medicare Supplement Insurance plans have higher-than-average complaint rates
Cigna is a coverage provider that offers Medicare supplemental insurance and Medicare Advantage plans for adults over 65. Its website has a quote tool to help users estimate their rates, and many of its flexible plans offer cost-free benefits. Cigna's Medicare supplemental insurance, also referred to as Medigap, can help senior citizens pay for out-of-pocket expenses not covered by Medicare, such as certain deductibles, copays and coinsurance. Cigna offers low prices and solid discounts, but competitors might have more types of plans or lower complaint rates.
Cigna has low prices and offers significant discounts, but it gets more member complaints than average, and there are only a few plan types to choose from. Members file complaints about Cigna's Medicare Supplement Insurance plans at a rate about 26% higher than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for Cigna and its subsidiaries that sell Medicare Supplement Insurance policies. Cigna spent about 82.2% of its Medigap premiums on member benefits, while the average for all providers is 83.9%.
Cigna has poor customer service reviews for its Medicare Supplement policies. Overall, Cigna has 52% more complaints about its Medigap plans than expected for a company of its size, according to the National Association of Insurance Commissioners (NAIC). However, customer satisfaction largely depends on what company your plan comes from within Cigna. Some Cigna Medicare Supplement plans come from the American Retirement Life Company, and these plans get considerably fewer complaints than expected (68% less). But plans from Cigna National get over twice as many complaints as expected.
Cigna members have reported concerns with customer service to the Better Business Bureau, although these complaints aren't always specific to Medigap plans. Some issues include long hold times and difficulty getting claims approved or paid. While the issues might not be for Medigap plans, they can give you an idea of the company's overall service.
In conclusion, Cigna's Medicare Supplement Insurance plans have higher-than-average complaint rates, with members filing complaints at a rate about 26% higher than the average for all Medigap plans. Cigna has poor customer service reviews and gets more complaints than expected for a company of its size. However, customer satisfaction can vary depending on the specific plan and company within Cigna, with some plans receiving considerably fewer complaints.
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Cigna offers Medicare Supplement Insurance in 48 states and Washington, D.C
Cigna is a global company offering Medicare Supplement Insurance in 48 states and Washington, D.C. The company provides Medicare Advantage and Part D plans, as well as Medicare Supplement Insurance, and other insurance coverage such as whole life and cancer treatment insurance. Cigna also offers business insurance.
Cigna's Medicare Supplement Insurance, also known as Medigap, helps senior citizens cover out-of-pocket expenses not covered by Medicare, including deductibles, copays, and coinsurance. It also covers 80% of medically necessary emergency care received outside of the U.S. during the first 60 days of each trip, after a $250 deductible per calendar year.
Cigna offers low prices and solid discounts, with premiums often among the lowest on the market. However, it has higher-than-average complaint rates, and its variety of Medigap plan types and extra perks are limited.
Cigna's Medicare Supplement Insurance plans are available in many states, including California, Colorado, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin. However, it is not available in Oregon.
Cigna offers a range of Medicare Supplement Insurance plans, such as Plan A, Plan F, Plan G, Plan HDG, and Plan N. These plans provide various benefits, including coverage for hospital services, outpatient drugs, and inpatient respite care.
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Frequently asked questions
Cigna has received mixed ratings for its insurance supplement plans. While some customers have praised the company for its competitive rates, dependable service, and various member programs and perks, others have complained about issues with communication, customer service, and the application process. According to the National Association of Insurance Commissioners (NAIC), Cigna has 52% more complaints about its Medigap plans than expected for a company of its size. However, customer satisfaction varies depending on the specific plan and company within Cigna. Overall, Cigna received 4 out of 5 stars on NerdWallet's Medigap rubric.
Cigna's Medicare Supplemental Insurance plans, also known as Medigap, can help senior citizens pay for out-of-pocket expenses not covered by Medicare, such as deductibles, copays, and coinsurance. Cigna offers low prices and significant discounts on premiums, and their plans provide flexible options and no-cost programs, such as behavioural and emotional support, case managers, and medication therapy management.
Cigna does not have a set pricing structure, but its website features a quote tool that can provide an estimate of your rates. You will need to answer several questions about your situation and the type of coverage you require, including your location, age, expected number of doctors' visits, and coverage type.
To qualify for Cigna's Medicare Supplement Insurance plans, you must first meet the eligibility requirements for Medicare. Additionally, Cigna offers a 5% online discount for new policyholders who submit their applications online. This discount is available in most states, with some exceptions, and it remains in effect for the life of the policy.
