In the past, Cigna was mostly known for providing private and group health insurance plans for people under 65. According to the company’s press releases, they are interested in expanding more into the senior health market. Because of this, you may want to include 2018 Medicare Supplement plans from Cigna as you compare supplemental insurance plans for the future. You may find competitively priced Cigna Medicare plans in your area because they are eager to grow their business.
We’re here to help you find local rates for Cigna Medicare supplement plans and other insurance companies. In addition to Medigap plans, we can also provide assistance with Medicare Advantage plans and prescription drug coverage. Your own best choice of health insurance depends upon your budget, preferences, medical conditions, and where you live.
Highlights of Cigna Medicare Supplement Plans
These are some interesting things to know about Cigna Medicare plans:
Premiums For Cigna Medigap Plans
As you compare supplemental insurance plans, you will note that even some nationwide companies don’t offer each plan in each state or county. Naturally, rates may also vary by location. If you get online or phone quotes, they might not initially include discounts that you might qualify for.
The household discount is one that most companies offer for their Medigap plans. These can vary because of the state you live in, but you might ask about a seven-percent household discount from Cigna if you live with a spouse, partner, or even a parent or sibling who also has Medicare supplement insurance.
You don’t need to be married or prove your relationship because the other person just needs to also have a supplement from Cigna and live in the same house. While many other Medicare companies also offer household discounts, the rules can vary quite a bit. Cigna says that they will automatically include the discount in billing but you still might want to ask about it in order to learn what you can qualify for.
How To Compare Supplemental Insurance Plans From Cigna
In most states, you can buy one of the 10 standardized Medigap plans. They have very simple names from Supplement Plan A through Supplement Plan N. This makes it simpler to compare supplemental insurance plans for Medicare beneficiaries than many other types of medical plans. Still, having 10 choices is a lot, and we find that most of our clients are happier to choose between these three Medigap plans:
Note that the government is eliminating Plan F by 2020, but you can still buy it for 2018. If you have the plan, it should be grandfathered in. When Plan F does get phased out, it’s likely that Plan G will be the most popular choice.
If you compare supplemental insurance plans from multiple companies, you will see that a certain Medicare supplement gives you the same basic coverage no matter which insurer you buy it from. However, insurers do compete with price, discounts, and value-added benefits that they offer to members. Some examples of these extra perks may include discounts for services like dental, hearing, or vision care.
While the basic benefits of any Medicare supplement should remain stable, these extra membership benefits can change from year to year. Still, it might pay you to compare them because some can offer you valuable benefits for things that Medicare doesn’t cover.
Frequently Asked Medigap Questions
We hear certain very good questions quite a bit. As a service to our site visitors, we’d like to answer a few here. They may pertain to Cigna, all Medigap plans, and other types of Medicare coverage.
When Do You Have to Enroll in Medicare Part A and B?
Most people in the US get Part A for free when they turn 65. To qualify for free Part A, 65-year-old people also need to have either worked and paid Medicare taxes for 40 quarters or have a spouse who is at least 65 and did so. If the working spouse is not yet 62, the non-working spouse may need to pay a premium for Part A until the working spouse does turn 62. If the working spouse can provide credible coverage from work, both spouses may be able to delay enrollment without a penalty.
About 10 percent of beneficiaries qualify for Part A and B because of a disability because they have had Social Security Disability for two years and are not yet 65. These younger beneficiaries may not have the same guaranteed enrollment protections for supplements as people get when they are at least 65. Federal laws don’t provide these protections, but some states do.
Do You Need Prescription Drug Coverage With Medicare?
If you have Original Medicare or a Medicare supplement, you won’t have typical prescription coverage for the kinds of medications that you might get at your neighborhood pharmacy or even a mail-order pharmacy. If you don’t enroll in Part D when you first qualify, you could have two problems:
If you have an Advantage plan that includes prescription drugs or other prescription coverage, you may be able to delay enrollment in Part D. Otherwise, Cigna and other health insurance companies usually offer stand-alone Part D if they offer supplements or Medicare Advantage. If you have a supplement or Medicare Advantage plan without drug coverage, you are free to choose another company for Part D if you want to.
Do You Automatically Get Part A and B When You Get Social Security?
Part A and B give you health benefits; however, Social Security either provides disability or retirement income. While these two government programs are linked sometimes, they are not the same. For instance, most Americans qualify for Part A and B when they turn 65; however, people may qualify for Social Security or choose to take it at different ages.
It used to be true that many Americans qualified for Medicare at age 65, and that’s also when they choose to take Social Security. That’s really not so true any longer because the normal retirement age for Social Security has increased for many people. Disabled people typically qualify for Part A and B two years after they start getting Social Security Disability.
Can You Get Part A and B if You Retire Early?
Unless you qualify because of a disability, you have to wait until you are at least 65 years old to get Part A and B. You will need to have Part A and B to qualify for a supplement or Advantage plan too. Once you are 62, you may be able to qualify your non-working spouse. If you decide to retire early and can’t extend your work-related medical plan, you will need to seek a private policy to cover you until you qualify.
Which Cigna Medigap Plans Will Work Best for You?
Cigna doesn’t market everywhere, but where they do market, they may offer competitive premiums and good benefits. If you want to check out your local options for Advantage, Part D, and Medigap plans, you can make use of our quick insurance quote system at any time to get answers. You’re also welcome to call us with the toll-free number to speak with an agent. If you decide to go with Cigna or another top insurer, check with us first to find the best coverage and premiums.