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Vedanth Bhartee
Writer · Reviewed by Richard ChanUpdated Jun 12, 2026
2 min read
Cigna's Medicare Supplement plans help reduce out-of-pocket healthcare costs by covering Medicare Parts A and B coinsurance and copayments.
Beneficiaries enrolled in a Cigna Medigap plan can visit any hospital or physician in the United States that accepts Medicare patients, with no referrals required.
Cigna often provides premium discounts to customers who live with another adult or who pay their premiums through automatic electronic funds transfer.
With more than two centuries in the insurance industry, Cigna brings a level of institutional experience that few competitors can match. As a global health services company, Cigna offers a broad portfolio of health insurance products — and its Medicare Supplement plans are among its most sought-after offerings. The company's underlying mission centers on helping policyholders improve their health, well-being, and financial security, particularly as healthcare costs continue to rise.
Cigna offers a solid lineup of Medicare Supplement plans, including Plan A, Plan F, Plan G, and Plan N. Each plan covers a different range of cost-sharing obligations — deductibles, coinsurance, and copayments — and comes at a different price point. Because Medigap coverage is federally standardized, the specific benefits of each letter plan are identical regardless of which insurer you buy from, meaning the right Cigna plan comes down to matching coverage level to your health needs and budget.
Cigna Medicare Supplement plans are available in 48 states and Washington, D.C., giving most beneficiaries across the country a genuine shot at accessing this coverage. That said, not every plan type is offered in every state — availability can vary. Checking Cigna's website or speaking with a licensed insurance agent is the most reliable way to confirm which plans are available where you live.
Not all plans are available in all states. You can check Cigna’s website or speak with a licensed insurance agent to find out if the plan you’re interested in is available in your state.
Cigna's financial strength is worth noting — especially for a product like Medigap, where you want confidence that your insurer can actually pay claims over the long haul. Independent rating agencies assess Cigna as follows:
These ratings reflect a financially stable company with a solid ability to meet its obligations to policyholders — neither the very top tier nor a cause for concern.
On the customer experience front, Cigna has earned a 4 out of 5 star rating from JD Power for customer satisfaction — a meaningful indicator of how beneficiaries actually feel about working with the company day to day.
If you share a home with another adult who is also a Cigna Medicare Supplement policyholder, you may qualify for a meaningful household discount on your monthly premium. The discount amount varies by state and plan type, but can range up to 5% of the monthly premium.
To be eligible, both policyholders must live at the same address and hold a Cigna Medicare Supplement plan — a simple requirement that can add up to real savings over the course of a year.