Cigna Medicare
Cigna is a Medigap insurance provider offering standardized Medicare Supplement plans A, F, G, and N. Claims are processed electronically, eliminating the need for claim forms. Insured by American Retirement Life Insurance Company, these policies allow you to visit any physician who accepts Medicare, with no network restrictions. Additional benefits include fast policy issuance, typically within 3 to 5 days, and options covering Part A and Part B deductibles.
Cigna Medicare Supplement and Advantage Plans
Cigna guarantees that their Medicare Supplement policies are renewable for life. However, they reserve the right to adjust premiums based on factors such as the policyholder’s attained age, changes in Medicare coverage, or relocation to an area with different rates.
In addition to Medicare Supplement plans, Cigna Medicare insurance offers four Medicare Advantage plans for those opting out of Original Medicare Part A and Part B in favor of a more comprehensive healthcare option. These plans, known as Cigna Medicare Select Plus Rx policies, are all HMO-based and include:
- Standard (HMO) plan with a $0 monthly premium.
- Dual (HMO SNP) plan with a $0 monthly premium.
- Diabetes Heart (HMO SNP) plan with a $0 monthly premium.
- Premium (HMO) plan with a $25 monthly premium.
Key Features of Cigna’s Medicare Select Plus Rx Plans
Cigna’s Medicare Advantage plans offer the same basic benefits as Original Medicare while providing additional coverage, including:
Emergency room visits and hospitalization.
Prescription drug coverage, including generic and brand-name medications.
Optional dental plans for enhanced oral care.
Additional Benefits
Cigna Medicare plans may include ancillary benefits to improve health and wellness:
- Gym membership reimbursement.
- Preventive wellness programs to support overall health.
- Urgent care treatment for non-emergency medical needs.
- Hospital services for inpatient care.
- Select preventive care options with $0 copayments.
- Access to a formulary featuring the most frequently prescribed medications.
Cigna’s Medicare offerings are designed to provide flexibility, affordability, and comprehensive care options tailored to meet individual healthcare needs.
United American. Established in 1947, United American Insurance Company is well known for being an industry leader and has been selling Medicare Supplement plans since 1966. They also consistently earn strong financial ratings.
Manhattan Life. Manhattan Insurance Group was established in 1850 and is committed to providing reliable and cost effective insurance solutions. Their agents are held to very high ethical standards and the company has a strong financial rating.
Cigna is a medigap insurance provider offering standardized Medicare supplement policies A, F, G and N. With Cigna Medicare supplement products, claims are filed electronically eliminating the need to fill out claim forms. As Cigna Medicare insurance is insured by American Retirement Life Insurance Company, there is no need to stay in a network. Any physician who accepts Medicare accepts American Retirement Life Insurance.