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Cigna Medicare Advantage Plans for 2018

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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 Part C offering have only attracted about two percent of enrollment. However, there should be more choices for Cigna Medicare Advantage plans for 2018.

If you intend to compare 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. Besides 2018 Cigna Medicare Advantage plans, you can also find offers from other top companies. You can also find premiums and plan details for Medicare supplement plans online with our quote system.

Updates for Cigna Medicare Advantage plans for 2018

There’s no hiding the fact that the company has faced some struggles during the current year. Modern Healthcare reported upon the biggest news about this insurance company. That is, the government has recently lifted sanctions on enrolling new members for next year. Also, government audits revealed that only 20 percent of their plan members enjoyed Medicare quality ratings of at least four stars.

Cigna will be able to enroll new members in their 2018 Cigna 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 for 2018. There has also been some talk that they may join forces with Humana, a company that has about 17 percent of the Medicare Advantage market, but nothing has been announced.

About Cigna Medicare Insurance Company

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 market as companies like AARP/United Healthcare, 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.

What to Look for in Cigna Medicare Advantage plans for 2018

As you compare Medicare Medicare Advantage plans during Open Enrollment, you may see that the company offers different plan types. They may not offer 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 MA plans you may see:

  • Cigna HMO: Nationwide, more Medicare Advantage 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 fairly restrictive rules to help reduce expenses.
  • Cigna 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, 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 plan’s network; however, it will cost you more.
  • Cigna Regional 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 these may be a good choice for people who don’t want to be limited by their local networks.

Typically, the less restrictive you plan is, the more expensive the rates will be. You are most likely to have no monthly premiums for your Cigna Medicare Advantage plans for 2018 if you choose an HMO. However, plenty of other factors also impact your rates, so you need to do a local comparison.

Are 2018 Cigna Medicare Advantage Plans Always the Best Solution?

Cigna has been and remains a strong provider of Medicare supplement plans too. You won’t find any Medicare supplements with zero premiums. Also, many 2018 Cigna Medicare Advantage plans will also include Part D, but 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 supplement like Plan N. With both, you need to assume some cost sharing, but they should protect you from big expenses. You could also consider paying somewhat higher premiums for a supplement like Plan G that will eliminate most deductibles, copays, and coinsurance that you might have with Original Medicare.

Since a supplement doesn’t rely upon a provider network, you can use it anywhere in the US and sometimes, even for urgent medical services outside of the country. If you aren’t happy with your choices for Cigna Medicare Advantage plans for 2018, you might also compare Medicare Advantage plans to supplements.

Get Quick Access to Updated Information About 2018 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 Advantage, most beneficiaries can only choose new or replacement plans during Open Enrollment, so it’s important to make an informed choice.

You’re welcome to use our quote forms 24/7 to get your personalized list of local offers. It only takes moments to compare, and you just have to select your home state to get started. Use our quote system to research local Medicare supplement, Medicare Advantage, or even Part D plans.

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