Cigna Medicare Insurance Review & Complaints: Health Insurance

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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 26, 2021

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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.

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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.

What is the Cigna Medicare claims process?

Cigna, like most health insurance companies, does not have much in the way of claims information on their website.

They do offer a claims reimbursement form for download that customers can use when out of pocket expenses need to be reimbursed, which is not frequent since medical claims are usually handled directly with providers. The Cigna Medicare Supplement provider portal is used for Medicare supplement claims and is again directly accessed by the provider.

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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.

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.

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’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.

Are you looking for free insurance quotes?

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