Cigna Medicare Supplement Plan G

Cigna Medicare Supplement Plan G is the leading choice of Supplement insurance plans in 2022. Medicare Supplement plans (also known as Medigap) are needed because Medicare Part A and Part B have gaps in insurance coverage. They pay 80% of Medicare-approved charges and the insured pays the remaining 20%.

Since there is no ceiling on the amount of charges an individual can be responsible for, private insurance companies approved by Medicare can legally sell Medicare Supplement policies to pay part or all of the remaining amount. Medicare Supplement G, like all other supplement plans, is standardized by the government, meaning it has to offer the same basic benefits regardless of what state the beneficiary lives in or which insurance company sells the policy.

What does Cigna Medicare Supplement Plan G Cover

Cigna Medicare Supplement G healthcare insurance covers the 20% of approved Medicare charges (like copays and coinsurance) not paid by Original Medicare with the exception of the Part B deductible.

Hospital Charges Covered by Cigna Medicare Supplement Part G Insurance For a hospital in-patient visit (first 60 days), Original Medicare pays everything except the Medicare Part A deductible of $1,556. Cigna Medicare Supplement Plan G pays the deductible. It also covers the $389 per day not covered by Medicare for in-patient days 61-90
During the 60-day lifetime reserve, Medigap insurance supplement G pays the $778 per day not covered by Medicare. Beyond the lifetime reserve days, it pays 100% of approved Medicare expenses for an additional 365 days.
For Skilled Nursing Facility care, Medigap insurance supplement G pays up to $194.50 daily for days 21 through 100 and is not covered by Original Medicare. It covers the copayment and coinsurance for Hospice care and the full cost of the first three pints of blood for transfusion.

Medical Charges Covered by Cigna Medicare Supplement Part G Insurance

Cigna Medigap G covers Medicare Part B out-patient healthcare services like doctor visits, diabetes supplies, lab work, x-rays, surgeries, ambulance costs, cancer treatments, durable Medical Equipment (DME), and more.

Additionally, Medicare Plan G provides foreign travel emergency benefits up to 80% of $50,000 (based on Medigap insurance plan limits after the Medicare recipient pays the first $250), making it a great plan for those who travel abroad extensively.

Basically, all Medigap Part B insurance charges are covered except the yearly Part B deductible which is $233 (approximately $19 per month) in 2022.

How Much Does Medicare Supplement Plan G Cost Per Month?

The average cost for Cigna Medicare Supplement Plan G ranges from $105 to $262 per month.

The monthly premium amount for Cigna Medicare Supplement Plan G varies based on your age, smoking status, and where you live. A 65-year-old non-smoking female living in Texas zip code 75001 would pay a premium of approximately $138 per month.

The lowest monthly premiums of approximately $143.46 are paid by Medicare recipients at age 65, and the highest premiums around $235.87 are paid by those who are 85 years old.

To ensure you get the lowest possible premium, it is wise to enroll in a Medicare Supplement plan during a Guaranteed Enrollment Period.

This includes the Initial Enrollment Period (IEP) which is a 7-month period that begins three months before the 65th birthday month, includes the birthday month, and ends three months after.

Another Guaranteed Enrollment Period, called a Special Enrollment Period (SEP) would take place at the time of retirement or losing creditable medical coverage, moving to an area where your policy was not available, moving out of or back into the United States, and certain other special circumstances.

How Much is the Deductible for Cigna Medicare Supplement Plan G?

In 2022, the cost of the Cigna Medicare Supplement Plan G monthly deductible varies according to zip code or county, gender, and age. Speak to an agent for quotes on how much you will pay. A 65-year-old, nonsmoking male might pay the following deductible amounts for Medicare Supplement healthcare insurance Plan G in these three states:

Texas – $141
California – $145
Michigan – $160

How Much is the Rate Increase History for Cigna Medicare Supplement Plan G?

Cigna Medicare Supplement Plan G offers a highly competitive and cost-effective rate scale nationwide.

Plan G generally increases at a rate of 5% per year, while Plan F increases by about 9% per year.

Is Medicare Supplement Plan G Better than Medicare Supplement Plan F?

Medigap Supplement F is no longer available to new Medicare beneficiaries after January 1, 2020.

Along with Plan F, Supplement G covers Excess Charges when a physician charges more than the Medicare-approved amount.

Another choice of Medigap plans is Medicare Supplement healthcare insurance Plan N, which does not cover the Excess Charges or the Part B deductible. It offers lower monthly premiums which makes it a good choice for some people.

There is no objective answer as to which plan is best and the choice must be based on individual needs.

Does Medicare Supplement Plan G cover Prescription Drugs?

Medicare Supplement G does not cover Prescription drugs.

Medicare Part D offers stand-alone prescription drug plans which can be purchased along with Medicare Supplement healthcare insurance policies.

Does Medicare Supplement Plan G cover dental and vision care?

Medicare Supplement plans do not cover dental and vision care. Affordable policies can be purchased from private insurance companies like Cigna.

Cigna offers dental insurance with affordable rates, $0 preventive care, and a 15% discount for additional family members on the same plan.

Another option would be to enroll in a Medicare Advantage Plan (Medicare Part C) that offers these benefits. Advantage plans work with a network of providers within an HMO or PPO organization.

Because these policies are sold by private insurance companies, they can add extra benefits to their plans.

Which Medicare Supplement Company is Best?

There is no simple answer to which Medicare Supplement Company is best. Since Medicare Supplement healthcare insurance policies are standardized, a policy with the same plan number, such as Plan N, must offer identical benefits regardless of which company sells the plan.

Which company is best for each individual will depend on their individual healthcare and financial needs.

Cigna Medicare Supplement plans to offer high-quality service and has been a popular choice of Medicare recipients for more than 225 years with more than 165 million customers.

*Please note, we are not Cigna insurance company. This is simply a review.

For additional research and reference:
https://www.cigna.com/medicare/supplemental/plan-g?campaign_ID=CSBORG
https://www.cms.gov/newsroom/fact-sheets/2022-medicare-parts-b-premiums-and-deductibles2022-medicare-part-d-income-related-monthly-adjustment

Jamie Prip

Licensed Insurance Agent

Jamie Prip is a licensed insurance agent specializing in Medicare, life insurance, and dental coverage. With years of experience in the industry, Jamie’s expertise lies in offering tailored insurance solutions that cater to the long-term needs of his clients. His commitment to providing comprehensive coverage and his dedication to understanding the unique circumstances of each policyholder sets him apart. Compassionate and knowledgeable, Jamie ensures that his clients are well-informed and confident about their insurance choices.