Cigna Healthcare Medicare Review (2026)
Comprehensive review of Cigna Medicare plans including coverage options, ratings, pros and cons, and how they compare to other carriers.
CMS Star Rating
3.5
States Served
30
MA Members
730K
Founded
1982
InsureRocket Rating
Cigna Overview
Cigna Healthcare, part of The Cigna Group, provides Medicare Advantage plans in approximately 30 states. While Cigna is better known for its commercial and employer-sponsored health plans, the company has been expanding its Medicare presence in recent years, serving approximately 730,000 Medicare Advantage members.
Cigna Medicare Plans
Cigna offers Medicare Advantage HMO and PPO plans with benefits that often include $0 premium options, prescription drug coverage, dental and vision benefits, virtual care access, and fitness programs. They also provide stand-alone Part D plans through their Express Scripts pharmacy benefit management subsidiary.
Plans Offered:
Coverage Areas
Cigna Medicare Advantage plans are available in approximately 30 states, with the strongest presence in the South, Southwest, and select metropolitan markets. Their Part D plans through Express Scripts have broader national availability.
Pros and Cons
Strengths
- Strong prescription drug coverage
- Global telehealth network
- Behavioral health programs
- Integrated pharmacy benefits
Weaknesses
- Smaller Medicare market share
- Limited plan availability in some states
- Network restrictions in rural areas
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Frequently Asked Questions
Is Cigna a good Medicare insurance company?
Cigna has a CMS star rating of 3.5 out of 5. Key strengths include Strong prescription drug coverage, Global telehealth network, Behavioral health programs. However, some limitations include Smaller Medicare market share and Limited plan availability in some states. The best plan depends on your specific healthcare needs and location.
What Medicare plans does Cigna offer?
Cigna offers the following Medicare products: Medicare Advantage HMO, Medicare Advantage PPO, Medicare Part D, Medicare Supplement. Plan availability varies by county, so check Cigna's website or Medicare.gov to see what is available in your area.
How many states does Cigna serve?
Cigna Medicare plans are available in approximately 30 states. Coverage areas and plan options vary by county within each state.
How do I enroll in a Cigna Medicare plan?
You can enroll in Cigna Medicare plans during the Initial Enrollment Period (around your 65th birthday), the Annual Enrollment Period (October 15 - December 7), or during a Special Enrollment Period. Enroll through Medicare.gov, by contacting Cigna directly, or through a licensed insurance agent.
Disclaimer: Plan availability, benefits, and premiums vary by location. Contact Medicare.gov or 1-800-MEDICARE for complete information. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.