What are people saying about Cigna Medicare Supplements?


Editorial team Published on

✅ People generally view Cigna's Medicare Supplement (Medigap) plans as affordable and reliable, though customer feedback remains mixed regarding administrative and customer service experiences.

📊 Common Pros & Positive Feedback

  • Competitive Pricing: Monthly premiums are often below the industry average, particularly for popular options like Plan G and Plan N.
  • Attractive Discounts: Household discounts (averaging up to 15%) and online enrollment savings provide extra value.
  • Nationwide Acceptance: Policyholders appreciate the freedom to see any doctor or specialist nationwide who accepts Original Medicare without network restrictions.
  • Financial Stability: Underwriting entities backing the policies maintain strong financial strength ratings (AM Best rating of A or A-).

⚠️ Common Cons & Negative Feedback

  • Customer Service Delays: Negative reviews frequently report long phone hold times and slow claims or billing processing.
  • Higher Complaint Rates: NAIC (National Association of Insurance Commissioners) complaint indices run notably above the industry average.
  • Unpredictable Rate Hikes: Some customers experience steep or unexpected annual premium increases over time.
  • Recent Business Transitions: Cigna transitioned its Medicare operations to Health Care Service Corporation (HCSC) under the HealthSpring brand, prompting notices to policyholders about administrative transfers. For details on managing this transition, you can read more via CA Health Advocates.