Cigna Medicare Supplement Plan G Review

If you’re considering a Medicare Supplement plan and want something reliable from a nationally recognized brand, Cigna’s Plan G deserves a close look.

Cigna has been serving Medicare beneficiaries for decades. While they are often one of the cheapest options on the market, they have also built a strong reputation for:

• Stable coverage
• Responsive customer service
• Competitive household discounts in many states

Plan G remains the most popular Medigap plan nationwide – for good reason. It offers nearly complete coverage, minimal out-of-pocket expenses, and lets you see any doctor who accepts Medicare, anywhere in the country.

There are no networks to worry about, and no referrals required.

In this guide, we’ll explain exactly what Cigna’s Plan G covers, how much it costs, what discounts or perks might apply, and how it compares to competitors like Aetna and Mutual of Omaha.

Let’s start with an overview of Cigna’s Medigap Plan G.

What Is Cigna Medicare Supplement Plan G?

Cigna’s Medicare Supplement Plan G is designed to pick up the costs that Medicare Part A and Part B don’t fully cover.

It fills nearly all the gaps, so you’re not stuck paying out-of-pocket every time you see a doctor or land in the hospital.

Cigna Plan G covers:

• Medicare Part A deductible (that’s $1,676 in 2025)
• Coinsurance for doctor visits, specialists, and outpatient surgery
• Skilled nursing facility coinsurance up to day 100.
• Hospital stay coinsurance
• Excess charges under Part B (if your doctor doesn’t accept Medicare assignment)

You only pay the Medicare Part B deductible – $257 in 2025. After that, you’re covered.

Unlike a Medicare Advantage plan, there are no networks, no referrals, and no prior authorization headaches.

If your doctor takes Medicare, you’re good. No extra rules, and no need to switch doctors.

Cigna’s version of Plan G offers predictable costs, nationwide access to care, and peace of mind – especially if you travel, have chronic health conditions, or want to avoid surprise bills.

Pros and Cons of Cigna Plan G

Start Quote

Pros:

• Nationwide availability and portability: Cigna Medigap policies are available in most states and travel with you across the country. If your provider accepts Medicare, you’re covered – no networks, no referrals.
• Comprehensive coverage with few surprises: Plan G covers almost all of Medicare’s out-of-pocket costs. You’re protected from big hospital bills, excess charges, and ongoing office visit coinsurance. The only thing you pay is the annual Part B deductible.
• Strong household discount (in many states): Cigna offers a household discount up to 6% or more, depending on the state. In some areas, we’ve seen as high as 20%. That can create meaningful savings, especially for couples or roommates applying together.

Cons:

• Slightly higher pricing in some areas: Cigna is rarely the most expensive, but it’s also not always the cheapest, especially compared to newer carriers that launch with aggressive intro pricing. Companies like ACE, Lumico, or Aflac often come in lower on monthly costs, but may have less long-term rate stability, less brand recognition, or fewer extra perks.
• Plans are unavailable in Massachusetts or New York

Our Opinion:

Every Medicare Supplement carrier has its strengths and some tradeoffs. Cigna is no different.

While it’s not always the cheapest Plan G on the block, it offers long-term dependability and a higher level of client satisfaction in the Medigap space.

Why Choose Cigna Plan G?

Medicare Supplement Plan G is standardized, meaning every insurer must offer the same core benefits. But that doesn’t mean all providers are equal when it comes to pricing, underwriting, support, or long-term value.

Cigna stands out by offering a strong mix of brand trust, simplicity, and policyholder-focused service.

Let’s talk about why Cigna’s Plan G is a favorite for Medicare enrollees.

#1. Proven National Brand: Cigna is a well-established name in the Medicare market with over 225 years in the insurance business. If you’re looking for a carrier that’s financially solid and built to last, Cigna checks the box.

#2. Available in Most States: Whether you live in the Midwest, on the coasts, or somewhere in between, Cigna’s Plan G is widely available. That makes it a good option if you’re moving or planning ahead for retirement flexibility.

#3. No Networks, No Referrals: Like all Medigap plans, Cigna Plan G works with any provider who accepts Medicare – but unlike some carriers, Cigna avoids extra hoops like network limitations or pre-authorization requirements. You keep control of your care.

#4. Simplified Underwriting: Outside of open enrollment, underwriting can be a concern. Cigna takes a fair and realistic approach, meaning you may still qualify even with common conditions like high blood pressure or cholesterol.

#5. Household Discount (up to 20%): Cigna offers a competitive household discount that can shave down your monthly premium, especially if your spouse or roommate also enrolls.

#6. Responsive Support That’s Built for Seniors: Cigna’s Medicare customer service team focuses specifically on the Medicare market, not general health insurance. That means fewer headaches when it comes to billing, claims, or policy questions.

Up next, let’s address one of the most common questions: “How much does it cost?”

How Much Does Cigna Plan G Cost?

Here’s a snapshot of what you might expect to pay for Cigna’s Medicare Supplement Plan G.

State	Monthly Premium	Carrier Version
Florida	$173.27	Cigna National Health Insurance Company
Illinois	$157.70	Cigna National Health Insurance Company
Arizona	$227.22	Cigna National Health Insurance Company
Pennsylvania	$151.86	Cigna Insurance Company

Important to note: These are sample premiums for individuals aged 65 and older, based on current 2025 rate data. Actual pricing will vary based on personal health history, age, gender, and location.

Like most Medigap carriers, Cigna uses one of three pricing methods depending on the state:

• Attained age: Your premium starts lower but increases as you get older.
• Issue age: Your rate is based on your age at the time you enroll – it won’t go up just because you’re aging.
• Community-rated: Everyone pays the same rate regardless of age.

If you want the most accurate rate for your area, we recommend getting a personalized quote – Cigna Plan G pricing can vary by as much as $40 to $60/month between regions.

Now let’s chat about Cigna’s unique perks and discounts for its members.

Discounts and Extra Benefits

Cigna’s Medicare Supplement Plan G provides robust medical coverage and various discounts and wellness benefits that can enhance your overall healthcare experience. Let’s talk about both.

Household Discounts: Among the Best Available

Cigna stands out in the Medicare Supplement space for offering one of the most generous household discount (HHD) programs in the industry.

In most states, Cigna provides a 6% discount when you live with another adult over the age of 18. That alone is fairly standard, but where Cigna really sets itself apart is in certain states where they offer a multi-policy household discount of up to 20%.

Here are a couple of real-world examples to show how it plays out:

Example #1: Two Spouses Enrolling Together

• Without HHD: $227.22/month each = $454.44 combined
• With 20% HHD: $189.24/month each = $378.48 combined
• Annual Savings: $911.52

In this case, both spouses live at the same address and enroll in Cigna’s Plan G with the household discount. That 20% cut drops their rate by nearly $38/month each.

Example #2: One Applicant Living With Another Adult

Base Rate: $213.65/month

• With 6% Discount: $200.83/month
• Annual Savings: $153.84

Here, the applicant lives with an adult; therefore, they receive the discount.

By comparison, many top competitors like Mutual of Omaha cap their HHD at 12%, and others offer no discount at all.

• Bottom Line:

  If you qualify for Cigna’s household discount, it can shift the numbers significantly in your favor – and in some areas, it brings Plan G rates down to the lowest available among national carriers.

Health and Wellness Perks

Cigna’s Medicare Supplement plans may include access to wellness and preventive resources, such as:

• Healthy Rewards Program: Offers discounts on health and wellness services and programs.
• 24/7 Health Information Line: Provides around-the-clock access to health advocates and licensed nurses.
• Fitness Memberships: Available in select plans and states for an additional fee.
• Discount Programs: Savings on vision and hearing aids.

While these perks may not be as prominently featured as those in some Medicare Advantage plans, they add meaningful value to Cigna’s Medigap offerings.

Cigna vs. Other Carriers

When you’re shopping for a Medicare Supplement Plan G, Cigna is one of several strong national options.

But how does it stack up against other well-known carriers like Mutual of Omaha, Aetna, or UnitedHealthcare?

Why Cigna Stands Out

Strong brand reputation: Cigna is a top-tier name in both Medicare and employer health plans, with a long history and solid financials behind it.

Simplified underwriting: Compared to newer carriers like Ace, Cigna often provides a faster, more efficient underwriting process.

Simple enrollment and customer support: Cigna’s process is straightforward, and they tend to offer clean policy setup and reliable service. For clients who value simplicity and direct answers, that goes a long way.

Available in most states: Cigna Medigap plans are widely available, though they’re not the most competitively priced in some areas.

Where Other Carriers May Have an Edge

Here is a breakdown of other top Medigap providers and what makes them stand out.

Carrier	Where They Shine
Mutual of Omaha	Slightly lower pricing in some ZIP codes; strong household discount (up to 12%); extras like Mutually Well fitness
Aetna	Competitive pricing, especially for seniors over 70; good bundled product options (dental, hospital indemnity)
UnitedHealthcare	Massive network familiarity; branded with AARP endorsement; tends to have strong rate stability over time in many regions

Our Take

Cigna is often a competitively priced option, making it a smart pick for people who:

• Seek value and pricing
• Prefer working with a national brand that they recognize
• Appreciate efficiency during the underwriting process.
• Want solid, no-nonsense service from a company focused on Medicare

That said, the value really depends on whether you qualify for Cigna’s household discount. Without it, there are often cheaper and more competitive options in many ZIP codes, especially from carriers like Mutual of Omaha or Aetna.

But if you do qualify (typically by living with another adult who also has a Cigna Medigap policy), Cigna’s Plan G can instantly become one of the most affordable options on the market – even in highly competitive areas.

So if you’re eligible for the discount and like working with big-name insurers, Cigna should absolutely be in your top three. If not, it’s still worth quoting – but you may find better pricing elsewhere.

If you’re comparing Medicare Supplement options, you’ve probably heard about Plan G, Plan N, and Plan F. Let’s talk about those in more detail.

Plan G vs. Plan N and Plan F

While each plan covers a large share of what Original Medicare doesn’t, key differences are worth knowing, especially if you’re trying to balance premium cost and out-of-pocket risk.

Plan G is now the most comprehensive Medigap plan available to new enrollees. It covers nearly every gap in Medicare, including the big ones like hospital deductibles, 20% coinsurance, and Part B excess charges.

It only doesn’t cover the Part B annual deductible ($257 in 2025).

Plan G is ideal if:

• You want full protection from surprise bills
• You don’t want to pay copays at every visit
• You prefer to keep it simple and predictable

Plan N is a good option for people who are okay with a little more cost-sharing. You’ll still get great coverage, but you’ll be responsible for:

• A copay of up to $20 for most office visits
• A $50 copay for emergency room visits (waived if admitted)
• Part B excess charges (in certain states)

Plan N typically has lower premiums than Plan G, but it’s best suited for relatively healthy people who don’t mind paying small amounts when they use care.

Plan F used to be the most comprehensive plan – it even covered the Part B deductible. However, as of January 1, 2020, new Medicare beneficiaries can no longer enroll in Plan F.

If you were eligible for Medicare before 2020, you may still qualify, but premiums tend to be higher, and many people are now choosing Plan G as a smarter long-term value.

How to Enroll in Cigna Medicare Supplement Plan G

Getting signed up for Cigna’s Plan G is a straightforward process, especially if you’re working with a licensed Medicare agent who understands how underwriting and timing work.

To enroll in any Medigap plan – including Cigna Plan G – you must:

• Be enrolled in both Medicare Part A and Part B
• Live in a state where Cigna offers the plan

The best time to apply is during your 6-month Medigap Open Enrollment Period, which starts the month your Part B goes into effect and you’re at least 65 years old.

During this window:

• You can’t be denied for health reasons
• You’ll get the best available rate
• No medical underwriting is required

If you’re applying outside of that window, you’ll likely go through Cigna’s underwriting process, but as mentioned earlier, their underwriting is usually fair and often more efficient than that of other newer or smaller carriers.

You can apply for Cigna Medigap plans directly through a licensed agent appointed by Cigna. The application can be completed quickly over the phone or through a secure electronic form.

What you’ll need:

• Your Medicare card (with Parts A & B start dates)
• Basic health history and prescription list (for underwriting, if required)
• Your preferred payment method (a monthly bank draft is typical)

• Note:

  You can’t enroll in a Medicare Supplement plan if you’re already on a Medicare Advantage (Part C) plan – you’ll need to switch back to Original Medicare first.

Final Thoughts: Is Cigna Plan G Right for You?

If you’re looking for a Medicare Supplement plan that offers predictable costs, strong coverage, and national reliability, Cigna’s Plan G should be at the top of your list.

This plan is especially well-suited for:

• People who want to avoid Medicare Advantage restrictions
• Frequent travelers or snowbirds who need nationwide access to doctors
• Those who don’t want to worry about surprise medical bills

Plan G remains the best overall Medigap value for many people in 2025 – it balances coverage and cost better than any other standardized plan still available to new enrollees.

Cigna offers competitive premiums paired with trusted brand stability, helpful service, and a simple policy setup.

How We Can Help

Choosing the right Medigap plan isn’t just about finding the cheapest premium – it’s about making sure the coverage works for you long-term. That’s where we come in.

We can compare rates from top carriers (including Cigna, Mutual of Omaha, Aetna, and more), explain how household discounts apply in your state, and walk you through the enrollment process from start to finish.

There’s no pressure, no pushy sales pitch – just honest, experienced guidance to help you make the right choice.

Ready to see if Cigna Plan G is your best fit? Get a personalized quote and let’s talk through it together.

FAQs

• Does Cigna Plan G cover everything Medicare doesn’t?

  Not quite – but close. Cigna’s Plan G covers almost all of Medicare’s gaps: hospital deductibles, 20% coinsurance, skilled nursing, and excess charges. The only thing it doesn’t cover is the annual Medicare Part B deductible, which is $257 in 2025.

• Can I keep my doctor with Cigna Plan G?

  Yes. If your doctor accepts Medicare, they accept Cigna’s Plan G. There are no networks and no referrals – you can see any provider nationwide that takes Medicare.

• What’s the difference between Plan G and Plan N?

  Plan G offers fuller coverage. With Plan N, you’ll pay copays for office and ER visits, and you’re not covered for Part B excess charges. Plan N typically has lower premiums, but more out-of-pocket costs when you use care.

• Does Cigna require a medical exam to enroll?

  No. There are no underwriting requirements during your Medigap Open Enrollment Period (the first 6 months after your Part B starts). Underwriting is required if you’re applying later; however, Cigna will never require a medical exam.

• How do I get the household discount with Cigna?

  You usually qualify if you live with another adult over age 18 who has (or is applying for) a Cigna Medicare Supplement plan. In some states, just sharing a residence with another adult is enough – no family relation required.

• How are claims handled With Cigna Plan G?

  Cigna works directly with Medicare via the “crossover” system. Once Medicare pays its portion of a claim, the balance is automatically sent to Cigna for secondary payment – no action needed from the member in most cases.