Cigna Medicare Insurance Review & Complaints: Health Insurance (2024)
Cigna Medicare insurance is one of this major health insurance company's many products. Cigna Medicare Advantage, Part D coverage, and Cigna Medicare Supplement plans are all available. Cigna Medicare coverage isn't offered in all states, and plan and rate options vary, but most Cigna Medicare plans are HMO with several $0 premium options.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Mar 11, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Cigna is one of the biggest names in healthcare in the United States and is a major provider of group health insurance plans across the country. They have a long history in the insurance industry and provide Medicare Advantage, Supplement, and Part D plans in addition to their major medical plans.
This Cigna Medicare review will focus on the Medicare products that are available, as well as how to get Cigna Medicare quotes and details on the company’s reputation.
If you’re thinking you want to buy Cigna Medicare insurance, make sure you have done your research first. Compare multiple quotes right now to find the best price for your Medicare needs.
What is Cigna?
Cigna was founded in 1792 as The Insurance Company of North America, originally to protect marine vessels from the many dangers of crossing the oceans – including piracy. Their early plans included protection for captains of those vessels, with a benefit offered if they were captured by pirates.
A less colorful part of Cigna’s history, Connecticut General Life Insurance Company, was founded in 1865. By 1919 they were writing health insurance and grew as a separate company until 1981 when the two merged to officially create Cigna. In 1983 they established a new company headquarters in Philadelphia.
The 2012 acquisition of Health Spring brought Cigna heavily into the senior healthcare market. They added Medicare products including Advantage, Supplement, and Part D prescription drug plans. In spite of a 2016 suspension of new enrollment in Cigna’s Advantage and Part D plans, the company resumed writing new business in that market in 2017.
Also in 2017, Cigna’s huge proposed merger with Anthem was called off following a court ruling against the joining of the companies. Cigna moved forward a year later to a planned merger with prescription provider Express Scripts.
Cigna ranked at #73 on the Fortune 500 list for 2018, making them one of the biggest companies in the country and one of the most powerful insurance companies.
Read more: Cigna Insurance Review & Complaints: Health & Life Insurance
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What Medicare products does Cigna offer?
Cigna writes Medicare Advantage, Supplement, and Part D plans, covering all of the Medicare bases. Enrollment access for people is available whenever you are first eligible for Medicare, during open enrollment, or after a qualifying life event.
Not all plans are available in all states, however, and our usual sample state of California did not have any plans offered for Advantage or Supplement – only Part D. We were unable to find a list of which plans are offered in which states.
In order to cover all of the bases, we used information from Pennsylvania, where all of the options are available and Cigna has its headquarters. Plan information will vary in different states and varies even by county, so check your area to see which options are offered.
What is Cigna Medicare Advantage?
There are seven different Cigna Medicare Advantage plans available in Pennsylvania, all of which are HMO plans. Of those options, two are zero-premium and the rest have varying levels of cost and coverage.
If you meet eligibility, Cigna HealthSpring Advantage is the first of the zero-premium plans, with a $0 primary care copay from health care providers and a $40 specialist copay. This plan has a $55 urgent care copay and an $80 emergency room copay. It does not include prescription coverage, but it does include vision and hearing benefits.
The Preventative Care plan has a $10 primary care copay and a $50 specialist copay, and it is also a zero-premium plan. Copays for urgent care and emergency care are the same as the Advantage plan. This plan does include prescription coverage starting at $1 for Tier 1 with a $310 deductible for tiers 3 and up, and it includes both vision and hearing benefits as well.
The Preferred plan is similar to the Advantage plan, with the same copays, but it does include prescription coverage. There is a $280 prescription deductible that applies to tiers 3 and up.
The Traditions plan has a $0 copay for primary care and a 15% coinsurance for specialist care. Urgent care also has a $0 copay, while emergency care has an $80 copay. This plan includes dental, vision, and hearing benefits. Prescriptions are covered with standard Part D cost-sharing.
The Total Care plan has a 20% coinsurance for primary care and a $50 copay for a specialist. Urgent care is covered with a 20% coinsurance up to $65 and the usual $80 for an emergency. Like Traditions, it includes dental, hearing, vision, and prescription benefits.
The Achieve plan has the same copays as Advantage and offers dental, hearing, vision, and prescription drug benefits as well. There is a $280 prescription deductible that applies to tiers 3, 4, and 5.
Preferred Plus is the final plan option and has the same coverage as the Preferred plan. Dental, hearing, vision, and prescription coverage are all included.
What is Cigna Medicare Part D?
There are two Part D Secure Rx plans listed for our sample area.
The first has a lower premium but a $450 annual deductible, while the second has a higher premium but no deductible. The deductible plan has slightly lower copays with some Tier 1 drugs at a $0 copay.
The zero deductible plan starts at $4 copays for Tier 1. Both plans have gap coverage and out-of-pocket limits. Monthly premiums vary by in and out-of-network pharmacy choice.
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What is Cigna Medicare Supplement?
Cigna offers a good selection of Medicare Supplement plans. In addition to the basic Plan A, which all Supplement companies are required to offer, they also write (in our sample area) plans B, C, D, F, G, and N as well as the high deductible version of N.
Plan A covers coinsurance amounts for medical, hospital, and hospice care as well as the first three pints of blood each year. Each plan thereafter adds additional coverage up to Plan F, which pays all out of pocket expenses not covered by Medicare. This plan has a high deductible option to make it more affordable.
Overall, Cigna has a good range of supplement plans, with seven of the eleven options available in our sample area.
What are Cigna Medicare rates?
Cigna makes their Medicare Advantage rates easy to find, listing them right along with the plan descriptions. As noted above, there are two plans that have no additional premium beyond the regular Medicare Part B plan.
The most expensive plan is the Preferred Plus, at $139 a month. The next most expensive is Achieve at $58, and the rest fall in the $20-40 a month range.
Rates for the Part D plans are similarly listed right on the page, at $37.70 for the deductible plan and $55.10 for the no-deductible plan.
Rates can be obtained for Supplement plans but are not readily available, and require a form including personal information to get a quote.
Since we quoted these in Pennsylvania and not our usual sample comparison state, we are unable to offer a direct rate comparison. That said, there is a good range of plan options at a variety of price points here, and most of the plans seem reasonably priced.
How are Cigna Medicare ratings and consumer reviews?
Cigna has an A+ rating with the Better Business Bureau (BBB). There are 442 complaints on file in the past three years; these complaints include all of Cigna’s business including individual and group health plans. Given the size of this company, this is not a high complaint volume.
The National Committee for Quality Assurance lists each individual Cigna branch by state in its ratings, resulting in a wide range of different rankings. These rankings range from a 2.0 overall to a 4.0 overall depending on the state. Connecticut, Maine, Massachusetts, and New Hampshire branches all rank at the top with 4.0 overall. These rankings are for the entire company; for Medicare, rankings get a little more complex. Here the HealthSpring name is still used, along with other branded names, which can cause some confusion. Only one branch received a 4.0 ranking for Medicare specifically.
Read more: Best Massachusetts Medicare Supplement Companies & Plans
Cigna has Medicare star ratings of 3.5 for Part C, 3 for Part D, and 4 overall. That puts them somewhere in the middle for major Medicare Advantage providers.
We found 47 reviews of Cigna Medicare on Consumer Affairs, which includes Cigna Medicare Supplement reviews. The reviews are fairly positive, with a nearly 4-star ranking overall. Most reviewers appear to have had a very positive experience with Cigna’s Medicare plans and report easy handling of payments and good customer service.
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What are the pros and cons of Cigna Medicare?
Let’s break down all of the information on Cigna Medicare to a quick look at the pros and cons.
Pros
- Good selection of plans at varying price points
- Lots of extra benefits included; most plans include dental, vision, and hearing
- Special needs plans are available
Cons
- Most plans are HMO, which limits your network of providers
- Not available in all locations, and some locations only have Part D
What is the Cigna Medicare claims process?
Ease of Filing a Claim (online, over the phone, mobile apps)
Cigna Medicare insurance offers multiple options for filing claims. While specific details may vary depending on the type of claim, here are the general methods available to policyholders:
- Online: Cigna provides an online claims reimbursement form that can be used for out-of-pocket expenses that need to be reimbursed. This method is convenient and allows for easy submission of necessary documentation.
- Directly with Healthcare Providers: In most cases, medical claims are handled directly with healthcare providers. This means that you don’t have to worry about filing a claim yourself for covered medical services.
- Medicare Supplement Claims: For Medicare Supplement claims, Cigna has a dedicated provider portal that can be used by healthcare providers to submit claims directly to the company.
Average Claim Processing Time
Cigna does not provide specific information about the average claim processing time on their website. Claim processing times can vary depending on the complexity of the claim and the documentation provided. It’s advisable to contact Cigna’s customer service or claims department for more information on the typical processing times for different types of claims.
Customer Feedback on Claim Resolutions and Payouts
While Cigna Medicare insurance has an A+ rating with the Better Business Bureau (BBB) and a generally positive reputation, there is limited customer feedback specifically related to claim resolutions and payouts. It’s essential for policyholders to share their experiences and reviews regarding claim resolutions to provide more insight into this aspect of Cigna’s services.
Cigna Medicare Insurance Digital and Technological Features
Mobile App Features and Functionality
Cigna offers a mobile app that provides policyholders with convenient access to their insurance information and various features. Some key mobile app features and functionalities include:
- Policy Information: View your Cigna Medicare insurance policy details, coverage, and benefits on the go.
- Claims Tracking: Check the status of your claims, including Medicare claims and Medicare Supplement claims, directly from the app.
- Provider Locator: Easily find healthcare providers, doctors, hospitals, and pharmacies within Cigna’s network.
- ID Card Access: Access and display your insurance ID card digitally for quick verification.
- Secure Messaging: Communicate securely with Cigna’s customer support through the app.
Online Account Management Capabilities
Cigna provides a user-friendly online portal for policyholders to manage their accounts and policies. Here are some of the online account management capabilities:
- Policy Management: Review and update your policy information, including personal details and coverage options.
- Premium Payment: Make premium payments online for your Cigna Medicare insurance policy.
- Claims History: Access your claims history, including details of previous claims and payments.
- Digital Documents: View and download digital copies of important policy documents and statements.
- Coverage Changes: Make changes to your coverage, such as adding or removing beneficiaries.
Digital Tools and Resources
Cigna offers various digital tools and resources to help policyholders make informed decisions about their healthcare and insurance needs. These tools may include:
- Drug Price Lookup: Check the prices of prescription drugs and find cost-saving alternatives.
- Health and Wellness Resources: Access health and wellness information, including tips, articles, and resources to support your well-being.
- Provider Directories: Search for in-network healthcare providers and facilities in your area.
- Coverage Comparisons: Compare different Cigna Medicare plans and coverage options online.
- Customer Support: Connect with customer support through online chat or secure messaging for quick assistance.
Cigna’s commitment to digital and technological features aims to enhance the overall customer experience and provide convenient access to important insurance-related information and services.
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What’s the bottom line?
In spite of some bumps in the road, Cigna appears to be on track in terms of serving its customers. The 2016 suspension issue has been resolved, although it may still make some new customers hesitate. Reviews trend towards the positive and they have a lot of plan options with reasonable prices. This, of course, depends greatly on where you live, so Cigna may or may not be a good choice for you based on the rates and choice offered in your area.
It’s possible affordable Cigna Medicare insurance might be available to you, but you should check out your options before you buy. Want to compare quotes now? Enter your ZIP code to get started.
Frequently Asked Questions
What Medicare products does Cigna offer?
Cigna offers Medicare Advantage, Medicare Supplement, and Part D plans. The availability of these plans may vary by state and county.
What is Cigna Medicare Advantage?
Cigna Medicare Advantage offers several HMO plans with different coverage options and premium amounts. Some plans have $0 premiums and include benefits such as vision and hearing coverage.
What is Cigna Medicare Part D?
Cigna offers Part D prescription drug plans, including plans with and without deductibles. These plans provide coverage for prescription medications
What is Cigna Medicare Supplement?
Cigna offers Medicare Supplement plans, also known as Medigap plans, which help cover the gaps in Original Medicare. They offer a range of plan options with different levels of coverage.
How do I file a claim with Cigna Medicare?
Cigna provides a claims reimbursement form for out-of-pocket expenses that need to be reimbursed. Medical claims are typically handled directly with healthcare providers.
What are the ratings and reviews for Cigna Medicare?
Cigna has an A+ rating with the Better Business Bureau (BBB). The ratings for Medicare plans vary by state. Cigna has Medicare star ratings of 3.5 for Part C, 3 for Part D, and 4 overall. Consumer reviews for Cigna Medicare plans are generally positive.
Is Cigna Medicare a good choice?
Cigna Medicare can be a good choice depending on the rates and plan options available in your area. It’s recommended to compare quotes and consider your specific needs before making a decision.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.