Cigna Medicare Supplement Plan Review in Florida

When it comes to securing comprehensive healthcare coverage in retirement, many Florida residents turn to Medicare Supplement Insurance (Medigap) plans to fill the gaps left by Original Medicare. Medigap policies help cover out-of-pocket costs like copayments, coinsurance, and deductibles, ensuring greater financial predictability for policyholders.

Choosing the right Medicare Supplement provider is a critical decision that impacts both cost and long-term stability. With multiple options available in Florida, including well-known insurers like Cigna and Florida Blue, it’s essential to evaluate each provider’s strengths and weaknesses before making a choice.

In this review, we’ll take an in-depth look at Cigna’s Medicare Supplement plans in Florida, including their pricing, benefits, and customer experience. We’ll also compare them to Florida Blue, which has built a strong reputation as a top Medigap provider in the state. By the end, you’ll have a clearer understanding of which company offers the best value for Florida residents seeking Medigap coverage.

Overview of Cigna Medicare Supplement Plans in Florida

Cigna offers several Medicare Supplement (Medigap) plans in Florida, giving you options to fit your budget and healthcare needs. These plans help cover expenses not paid by Original Medicare, such as copayments, coinsurance, and deductibles.

However, Cigna’s selection of Medigap plans is more limited compared to some competitors.

While other insurers may offer a broader range of options, Cigna focuses primarily on a select few plans, including Plan G, Plan N, High-Deductible Plan G, and Plan A.

This means that beneficiaries seeking other popular Medigap plans like Plan F or Plan C will need to look elsewhere.

Even with a smaller selection, Cigna still offers solid coverage options to fit different budgets.

Plan G is ideal for those seeking comprehensive benefits, while Plan N offers a more budget-friendly alternative with some cost-sharing.

‍

High-Deductible Plan G is a great choice for those who prefer lower monthly premiums and are comfortable with higher upfront costs.

‍

Plan A, while offering the least coverage, remains an option for those looking for a lower-cost entry into Medigap coverage.

‍

Key Features of Cigna’s Medigap Plans:

• Competitive premiums – Lower rates for High-Deductible Plan G and Plan N
• Standardized benefits – Coverage remains the same regardless of the insurer
• Household discounts – Available if multiple members of a household enroll
• Nationwide coverage – No provider networks; visit any doctor that accepts Medicare

Let's break down each of the four plans offered by Cigna in Florida and their features.

Plan G – Comprehensive Coverage

Plan G is one of the most popular Medigap plans in Florida and nationwide, primarily because it offers comprehensive benefits without the high premiums associated with Plan F.

Many seniors choose Plan G because it covers almost all out-of-pocket costs, except for the Medicare Part B deductible, which is only $257 in 2025. Once that deductible is met, all Medicare-approved services are fully covered, eliminating the worry of unexpected medical bills.

Given its popularity, Plan G tends to have more stable premium increases over time compared to some other plans.

Who is Plan G best for?

Plan G is best suited for individuals who frequently visit doctors or specialists and want predictable healthcare costs. It’s an excellent option for those who don’t mind paying the small annual Part B deductible but want to avoid surprise medical expenses.

Plan N – Balanced Coverage With Lower Premiums

Plan N is a strong alternative to Plan G for those looking to save on monthly premiums while still getting solid coverage. It provides most of the same benefits as Plan G but with small copayments for doctor and emergency room visits.

However, it does not cover Part B excess charges, meaning if a doctor charges more than Medicare allows, the patient is responsible for the difference.

Who is Plan N best for?

Plan N is a great choice for those who want good coverage at a lower price. It works well for relatively healthy individuals who don’t mind minor copayments in exchange for reduced premiums. It’s also ideal for those who always see Medicare-approved providers and don’t anticipate needing excess charge coverage.

High-Deductible Plan G – Budget-Friendly Option

High-Deductible Plan G offers the same benefits as traditional Plan G, but coverage only begins after meeting a high deductible of $2,870 in 2025.

This means that beneficiaries must pay more out-of-pocket before the plan starts covering expenses, but in exchange, they get a much lower monthly premium.

Who is High-Deductible Plan G best for?

This plan is great for anyone who’s health-conscious and looking to save money with lower premiums, while still having full coverage for major medical expenses. It’s a solid option for seniors who don’t plan on visiting the doctor often but want peace of mind in case unexpected medical costs come up.

Plan A – Basic Coverage

Plan A is Cigna’s most basic Medicare Supplement plan, covering only essential Medicare costs.

It does not include coverage for skilled nursing facility care, excess charges, or the Part B deductible, making it less comprehensive than other plans.

Who is Plan A best for?

Plan A is best for individuals looking for the lowest-cost option and who are comfortable covering more out-of-pocket expenses. It’s a good fit for those who don’t expect frequent medical needs and are mainly concerned with hospital and doctor visit coverage.

In the next section, we’ll discuss the pricing and cost factors with Cigna’s Medigap plans in Florida.

Cigna Medicare Supplement Plan Costs in Florida

The cost of Cigna’s Medigap plans depends on several factors, including the plan you choose, your location, age, and whether you qualify for discounts.

Below is a breakdown of estimated monthly premiums for Cigna’s plans in Florida:

Pros and Cons of Cigna Medicare Supplement Plans

When evaluating Cigna as a Medicare Supplement provider in Florida, there are some clear strengths—as well as a few things to watch out for. Below is a breakdown of the most important advantages and potential drawbacks to consider when deciding whether Cigna is right for you.

Pros

• Competitive pricing for select plans
  Cigna offers especially attractive rates on Plan N and High-Deductible Plan G. These plans are great options for cost-conscious individuals who still want meaningful coverage.
• Nationwide doctor access
  Like all Medigap plans, Cigna’s policies come with no network restrictions. You can see any provider that accepts Medicare across the U.S.—a huge plus for those who travel or have seasonal residences.
• Financial stability
  With an “A” rating from A.M. Best, Cigna shows strong financial health, giving policyholders confidence that claims will be paid reliably.
• Standardized benefits you can count on
  Medigap plans are standardized, so you know exactly what you're getting. Plan G from Cigna covers the same as Plan G from any other insurer, making it easier to shop based on price and service.
• Available discounts
  Cigna offers a 3% household discount in most areas, and in some regions, additional premium reductions of up to 25% are available for eligible applicants.

Cons

• Lack of value-added perks
  Unlike some competitors, Cigna doesn’t include extras like gym memberships, dental or vision coverage, or wellness rewards with its Medigap plans.
• Customer service varies by region
  While some customers report positive experiences, others mention long wait times or inconsistent claims processing. Service quality may depend on which Cigna subsidiary underwrites your policy
• Rate increase variability
  Though initial premiums may be competitive, Cigna’s rate history varies widely by state and plan. Some policyholders have experienced steeper annual increases than expected.

Cigna Customer Reviews and Satisfaction

Customer feedback on Cigna’s Medicare Supplement plans is mixed, with some beneficiaries praising the company’s strong financial stability and comprehensive coverage, while others express concerns about customer service and premium increases.

Many policyholders appreciate that Cigna has an "A" (Excellent) rating from A.M. Best, which reflects the company’s ability to pay claims reliably.

However, according to data from the National Association of Insurance Commissioners, Cigna’s Medigap plans receive about 26% more complaints than the industry average. Many of these complaints stem from customer service issues, with some beneficiaries reporting difficulty reaching representatives or delays in claims processing.

Additionally, Cigna has implemented significant rate increases in some states. For example, in Arizona, premium hikes have ranged from 6.9% to 26.6%, impacting thousands of policyholders.

Recent Initiatives to Improve Customer Satisfaction

In response to concerns over medical care denials and delays, Cigna has taken steps to improve customer satisfaction. The company is planning to bring on more staff in customer-facing roles to speed up service response times.

Additionally, Cigna is now linking executive compensation to customer satisfaction outcomes, a move designed to incentivize better customer experiences.

Cigna’s solid finances and variety of plans make it a strong option in the Medigap market, but it’s worth thinking about how customer service and potential rate increases could affect your long-term satisfaction.

Cigna vs. Florida Blue: A Detailed Comparison

Cigna and Florida Blue are two of the most recognized providers of Medicare Supplement insurance in Florida. While both companies offer standardized Medigap plans, they differ significantly in areas such as:

• Plan availability
• Pricing
• Additional benefits
• Rate stability
• Customer service
• Local presence

Let's break down these differences in a little more detail.

Plan Availability

Cigna has a limited selection of Medigap plans in Florida, offering Plan G, Plan N, High-Deductible Plan G, and Plan A. This narrower selection may limit options for beneficiaries seeking coverage tailored to their specific healthcare needs.

Florida Blue, in contrast, provides a broader range of Medigap plans, including Plans A, B, C, D, F, G, K, L, M, and N. This broader range of options lets beneficiaries pick a plan that better fits their medical and financial needs.

Medigap Plan Costs

Florida Blue tends to have more stablty it their prices long term, and in some cases they may even have the lower initial premium.

The key is finding a plan with the most competitive premium that also has a history of limited rate increases, ensuring long-term affordability.

Additional Benefits

On top of the standard Medigap benefits, both insurers add some extra perks to make their plans more appealing.

Cigna's Offerings:

• Healthy Rewards Program: Offers discounts on health and wellness programs and services, including fitness memberships, weight management, and alternative medicine therapies.
• Additional Policy Bundling Options: Dental, vision, or hearing coverage is available for an additional premium as low as $32 monthly.
• Household Discounts: In certain areas, Cigna offers up to 25% premium discounts when multiple family members enroll in their Medicare Supplement plans.

Florida Blue's Offerings:

• Automatic Claims Filing: When you present your Medicare and Florida Blue Medicare Supplement ID cards, the provider handles the rest, simplifying the claims process.
• 30-Day Money-Back Guarantee: If you're not completely satisfied, you can return your policy within 30 days for a full refund of premiums paid. ​
• SilverSneakers Fitness Program: Many plans include access to the SilverSneakers program, promoting physical activity and well-being. ​
• Additional Ancillary Benefits: Options for accident insurance, hospital indemnity, and critical illness coverage to help manage unexpected medical expenses.

Rate Stability

Rate stability is a significant factor for seniors who want predictable healthcare costs over time. Florida Blue is known for maintaining more stable premium increases, which makes it a strong option for those looking to keep costs manageable in the long run.

Cigna’s rate adjustments have been moderate, but some policyholders have reported higher-than-average premium increases over time. If you’re looking to avoid surprise rate hikes, Florida Blue could be the safer pick.

However, since Cigna’s initial premiums can sometimes be lower, it is worth checking the long-term history of rate increases before making a decision. A lower premium today does not always mean lower overall costs in the long run if the plan has frequent or steep increases.

Customer Service

Florida Blue has built a strong reputation in Florida, with high satisfaction ratings due to its responsive support and efficient claims handling. Beneficiaries often highlight quick processing times and helpful customer service representatives as key strengths of Florida Blue.

Cigna’s customer service reviews are more mixed. While many policyholders appreciate the company’s comprehensive coverage options, others report delays in claims processing and inconsistent customer support.

Local Presence

As a subsidiary of Blue Cross Blue Shield, Florida Blue has a significant local presence in Florida, which translates into personalized service and a deeper understanding of the state's healthcare network.

A strong local network helps Florida Blue better understand and meet the needs of Florida residents, offering solutions that are tailored to the region.

Cigna, while a nationwide provider, does not have the same localized emphasis in Florida as Florida Blue. This distinction can be important for beneficiaries who prefer working with an insurer that has a dedicated focus on the Florida market.

Florida Blue: Pros and Cons

To summarize our thoughts on Florida Blue, we've put together this basic pros and cons list:

Pros

• Extensive plan selection, offering more options for beneficiaries with different healthcare needs.
• Additional wellness benefits, including discounts on health services, fitness programs, and other member perks.
• Strong rate stability, with fewer drastic price hikes over time compared to some competitors.
• High customer service ratings, with policyholders consistently reporting positive experiences.
• Localized presence in Florida, which allows for more personalized service and better understanding of the state's healthcare landscape.

Cons

• Coverage is limited to Florida residents, meaning individuals who move out of state may need to find a new Medicare Supplement provider.
• Initial premiums may be slightly higher than Cigna’s in some cases, but long-term stability often offsets this difference.

Cigna vs. Florida Blue: Which Provider Is the Better Choice?

For those who value stability, better pricing, a broader selection of plans, and access to additional wellness benefits, Florida Blue is the better choice. Its strong local presence, excellent customer service, and history of stable premiums make it the top pick for most Florida residents seeking Medigap coverage.

For individuals who travel frequently or plan to move out of Florida, Cigna’s nationwide coverage may be appealing.

However, its limited plan selection, lack of extra benefits, and inconsistent rate increases may make it less attractive for long-term affordability.

Bottom Line: Why Florida Blue Is the #1 Choice

While both Cigna and Florida Blue offer standardized Medigap plans, Florida Blue consistently proves to be the better option for most Florida residents.

Florida Blue stands out due to better pricing stability, strong customer service, and additional benefits that enhance overall value.

While Cigna’s initial premiums may be slightly lower in some cases, Florida Blue offers a broader selection of plans and fewer premium hikes over time, ensuring long-term affordability.

If you're looking for the most budget-friendly option, Cigna’s High-Deductible Plan G is worth checking out. But if you want the best mix of affordability, great customer service, and extra perks, Florida Blue is the smarter pick for most Medicare beneficiaries in Florida.

To find the right plan for your needs, it’s a good idea to chat with an experienced Medicare broker who can compare options from different providers. If you need any help, we’ve got you covered.