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Cigna Medicare Plans

Cigna is a global health care company headquartered in Bloomfield, Connecticut that was formed from the 1982 merger of the Connecticut General Life Insurance Company and the Insurance Company of North America. In an effort to change its company focus, Cigna decided to sell off a majority of its life insurance operations in 1997. In 2011, the company bought Healthspring Inc. in an effort to broaden its Medicare offerings and increase its Medicare Advantage enrollment from 46,000 to 400,000 beneficiaries.

In the Present

Cigna's mission is to help its customers improve their well-being, health, and overall sense of security. The overall company operates in over 30 countries and has approximately 71 million customers, but Cigna Medicare focuses its business in the United States.

Medicare Supplement

Cigna Medicare Supplement policies fill in the gaps in coverage left behind by Original Medicare (Part A and Part B). These policies are provided through American Retirement Life, a subsidiary of Cigna. The company offers Plans A, F, G, and N, and these plans are guaranteed renewable for life. Certain exclusions and limitations may apply, but for the most part, beneficiaries over the age of 65 who are enrolled in Medicare Part B may enroll in a Cigna Medicare Supplement plan.

Medicare Advantage

Cigna Medicare offers a variety of different Medicare Advantage plans as well as Medicare Advantage plans with Prescription Drug coverage (MAPDs). Because Cigna now works with HealthSpring and Bravo Health, beneficiaries have more options for Cigna Medicare Advantage plans. Beneficiaries may enroll in one of these plans if they are enrolled in Medicare Part A and Part B, and reside in a plan's service area. Availability of these plans may differ by location.

Prescription Drug Plans

Cigna Medicare offers Prescription Drug Plans (PDPs) to eligible beneficiaries who reside in a plan's network. The company offers a couple PDPs for beneficiaries to choose from, and these plans may cover over 6,000 medications that can be filled at over 64,000 pharmacies in Cigna's network. The out-of-pocket costs associated with each Part D drug plan may differ, but may include yearly deductibles, costs in the coverage gap, copayments, and monthly premiums.