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Cigna Medicare Advantage Plans

In the past, Cigna has not been one of the largest providers of Medicare Advantage plans in the country. According to Kaiser, the company’s Medicare Part C offering have only attracted about two percent of enrollment. However, there should be more choices for Cigna Medicare Advantage plans.

If you intend to compare Cigna Medicare Advantage plans, we can help. You can use the quote form on this page to get a quick listing of top providers in your area.

Updates for Cigna Medicare Advantage plans

There’s no hiding the fact that the company has faced some struggles over the years. Modern Healthcare reported the most significant news about this insurance company. That is, the government has recently lifted sanctions on enrolling new members going forward. Also, government audits revealed that only 20 percent of their Medicare Part C plan members enjoyed Medicare quality ratings of at least four stars.

Cigna will be able to enroll new members in their Medicare Advantage plans. Naturally, the company took issue with Medicare’s star ratings, and a spokesman said that their goal was to ensure that at least 60 percent of their members had access to a four-star option. There has also been some talk that they may join forces with Humana, a company that has about 17 percent of the Medicare Advantage plan market, but nothing has been announced.

Cigna Medicare Advantage Plans:  Company Overview

You might be interested in learning that Cigna began operating under this name in the 1980s. However, the new company was formed from the joining of two insurance companies that each had well over a century of history. These two companies were Connecticut General and INA.

Besides Medicare insurance, this company is also very active in other kinds of health insurance, disability and accident insurance, and life insurance. Worldwide, the company employs over 40,000 people. Even though Cigna hasn’t been as active in the Medicare Advantage plan market as companies like Humana, and Blue Cross, it is still a very large insurer with the resources to support clients and grow in the market. For example, Cigna has an A rating for financials from both A.M. Best and S&P.

Types of Cigna Medicare Advantage plans

As you compare Medicare Medicare Advantage plans during Open Enrollment, you may see that the company offers different plan types. They may not provide each kind of plan in each area. Most companies offer plans that are likely to be the most popular, and this can vary by city and state.

In any case, these are the most popular kinds of Medicare Part C plans you may see:

  • Cigna-HealthSpring Preferred HMO

    Nationwide, more Medicare Advantage plan members are enrolled in HMOs than any other type of plan. This isn’t true of every city or state. They usually do the best job of keeping costs down for their members and the insurers. At the same time, they use networks with reasonably restrictive rules to help reduce expenses.  For additional options you can also consider:

              Cigna-HealthSpring TotalCare HMO SNP

              Cigna-HealthSpring Premier HMO-POS

  • Cigna-HealthSpring Advantage PPO

    If you count all kinds of health insurance in the US, PPOs attract the most people. They rank second in popularity of Medicare Advantage plans, but in some states, they are more popular. They also have local networks, but they have less restrictive rules. For example, you can still get your services covered outside of your Medicare Part C plan’s network; however, it will cost you more.

  •  Cigna-HealthSpring Preferred PPO

    A regional PPO offers a wider and broader network than a local one. Some of the biggest companies even open up their national networks, so they may be a good choice for people who don’t want to be limited by their local networks.

Typically, the less restrictive your Medicare Advantage plan is, the more expensive the rates will be. You are most likely to have no monthly premiums for your Cigna Medicare Advantage plans if you choose an HMO. However, plenty of other factors also impact your rates, so you need to make a local comparison.

Are Cigna Medicare Advantage Plans the Best Solution?

Cigna has been and remains a reliable provider of Medigap plans as well. You won’t find any of them with zero premiums. Also, many Cigna Medicare Advantage plans for 2018will also include a Medicare Part D plan.  However, you will usually have to join a stand-alone drug plan with a Supplement.

Here’s one factor to include in your comparison. You may find that the premiums for a national or regional PPO aren’t that different than those for a lower tier Supplement. With both, you need to assume some cost sharing, but they should protect you from significant expenses. You could also consider paying somewhat higher premiums for a more robust plan that will eliminate most deductibles, copays, and coinsurance that you might have with Original Medicare Part A and B.

Since these plans don’t rely upon a provider network, you can use them anywhere in the US and sometimes, even for urgent medical services outside of the country. There isn’t one right choice for all, so it’s good to have a basic understanding of each option before selecting.

Quickly Compare Cigna Medicare Advantage Plans

Even if you already have a Medicare Advantage plan for this year, you should still check for updates. Things like provider networks, quality ratings, and deductibles tend to change each year. For Medicare Part C plans, most beneficiaries can only choose new or replacement plans during Open Enrollment, so it’s essential to make an informed choice.

You’re welcome to use our quote forms 24/7 to get your personalized list of local offers. You can compare plans quickly and efficiently on your own, or you can also call us directly using the number at the top of this page.  Our agents can help you find the best Cigna Medicare Advantage plan and even help you enroll over the phone.

Please Note: We are not Cigna, this is a general outline of our opinion on their plans.