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In Alaska, all plans are insured by Loyal American Life Insurance Company.
What is Medicare Supplement Insurance (Medigap)?
Get to know the basics of Medicare Supplement Insurance policies, what they cover and don’t cover.
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What does Medicare Supplement, or Medigap, mean?
Medicare Supplement Insurance, also known as Medigap, is private health insurance that adds on to Original Medicare (Part A and B). It helps pay about 20%1 of the Medicare expenses that Original Medicare doesn't cover.
Do you need a Medicare Supplement (Medigap) plan if you have Original Medicare?
While Medicare covers many types of medical bills, there are still additional costs that you may be left to pay on your own. Medicare covers around 80% of health care costs. For large medical bills, this can leave customers with a lot to pay on their own.
Medicare Supplement Insurance can help pay for some costs that Original Medicare does not cover.
Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company.
Looking for a Medicare Supplement policy?
What does Medicare Supplement Insurance cover?
Medicare Supplement Insurance helps cover some costs not paid by Original Medicare Part A and B, including:
- Copays
- Coinsurance
- Deductibles
Medigap can also help pay for additional out-of-pocket costs, such as:
- Hospitalization
- Doctor’s services
- Home health care
- Lab costs
- Durable medical equipment
Original Medicare will pay its share of the Medicare-approved amount for covered health costs. Then, your Medicare Supplement Insurance plan will pay its share of the costs it covers.
There are a wide range of Medicare Supplement plans that differ in coverage and costs, from basic to extensive. Compare Cigna HealthcareSM Medicare Supplement plans
What does Medicare Supplement Insurance not cover?
Medicare Supplement policies do not include:
But you can buy those plans separately. Cigna Healthcare2 offers both prescription and dental plans, many with lower cost monthly premiums.
How does Medicare Supplement Insurance work with Original Medicare?
To purchase a Medigap policy, you must already be enrolled in both Original Medicare Part A and Part B. Medicare Supplement Insurance provides additional coverage to your Original Medicare benefits.
If you choose to buy a standalone Part D Prescription Drug plan, Medicare Supplement works with that, too.
Medicare Supplement Insurance is different from Medicare Advantage. You can have either a Medicare Advantage Plan or a Medicare Supplement Plan, but not both at the same time.
Who is eligible for Medicare Supplement Insurance?
If you are age 65 or older and enrolled in Original Medicare Part A and Part B, you may be eligible to apply for Medicare Supplement Insurance. Medicare Supplement plans are also available to you if you’re younger than age 65 and eligible for Medicare due to disability.**
When can you enroll in Medicare Supplement plans?
You can apply for a Medicare Supplement plan at any time throughout the calendar year, but during your 6-month open enrollment period3, you can buy any policy offered in your state and you are guaranteed coverage even if you have pre-existing health conditions.
- If you are retiring at 65 and applying for Medicare Part B, your open enrollment period lasts for six months starting the first day your Part B coverage begins.
- If you are not retiring until later and still getting medical coverage under your employer’s insurance, then your open enrollment starts when you do retire and sign up for Part B coverage.
Learn more about Medicare Supplement Enrollment and Eligibility
What are the types of Medicare Supplement plans?
There are up to 10 Medicare Supplement plans offered in each state. The different types of Medigap plans are named alphabetically, Plan A through Plan N. (Note, that they are not the same as other parts of Medicare, which are also named alphabetically.)
The types of plans that are offered may differ depending on which state you live in, but no matter where you live, each policy is standardized and offers the same basic benefits.
Medicare Supplement plans range from those that offer basic coverage, to those offering a much higher level of coverage. Understanding your health care needs, as well as your financial situation, can help when choosing a Medicare Supplement plan.
How much does Medicare Supplement Insurance cost?
When you purchase a Medigap policy, you’ll pay your insurance company a monthly premium. The cost of your Medicare Supplement premium will depend on which health insurance company you choose as well as which type of Medigap plan you select.
However, remember that core Medicare Supplement Plan benefits are the same no matter which insurer you choose (for example, Plan G with Company A is exactly the same as Plan G with Company B). Be sure to shop and compare Medicare Supplement Insurance options to find the best fit for your budget.
Looking for more information on the different types of Medicare Supplement Insurance? Compare Medicare Supplement plans
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View Medicare Supplement state disclosures, exclusions, and limitations
*State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
**Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.
1 After the Part B Deductible has been met.
2 Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. In Kansas, insured by Cigna Health and Life Insurance Company, Cigna National Health Insurance Company, and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas and Kentucky. In Illinois, Maryland, North Carolina, Ohio, and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In Pennsylvania, insured by Cigna Insurance Company. In Idaho and New Mexico, insured by Cigna Health and Life Insurance Company.
3 In MN, this period is called a guaranteed enrollment period.
View Kansas disclosures, exclusions, and limitations
Tennessee Medicare Supplement Policy Forms
Plan A: CNHIC-MS-AA-A-TN; Plan F: CNHIC-MS-AA-F-TN; Plan G: CNHIC-MS-AA-G-TN; Plan N: CNHIC-MS-AA-N-TN.
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Medicare Advantage and Medicare Part D Policy Disclaimers
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group. The Cigna Healthcare names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by The Cigna Group Intellectual Property, Inc. Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
To file a marketing complaint, contact Cigna Healthcare or call 1-800-MEDICARE (
Medicare Supplement Policy Disclaimers
Medicare Supplement website content not approved for use in: Oregon.
AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST. We'll provide an outline of coverage to all persons at the time the application is presented.
Our company and agents are not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. An insurance agent may contact you. Premium and benefits vary by plan selected. Plan availability varies by state. Medicare Supplement policies are underwritten by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. Each insurer has sole responsibility for its own products.
The following Medicare Supplement Plans are available to persons eligible for Medicare due to disability: Plan A in Arkansas, Connecticut, Indiana, Maryland, Oklahoma, Rhode Island, Texas, and Virginia; Plans A, F, and G in North Carolina; and Plans C and D in New Jersey for individuals aged 50-64. Medicare Supplement policies contain exclusions, limitations, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact the company.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Please refer to the policy for the full terms and conditions of coverage.
In Kentucky, Plans A, F, G, HDG, N are available under Cigna National Health Insurance Company, Plans A, F, G, HDF, N are available under Cigna Health and Life Insurance Company and Plans A, B, C, D, F, G, N are available under Loyal American Life Insurance Company.
Kansas Disclosures, Exclusions and Limitations
Medicare Supplement Policy Forms: Plan A: CNHIC-MS-AA-A-KS, CNHIC-MS-AO-A-KS; Plan F: CNHIC-MS-AA-F-KS, CNHIC-MS-AO-F-KS; Plan G: CNHIC-MS-AA-G-KS, CNHIC-MS-AO-G-KS; Plan N: CNHIC-MS-AA-N-KS, CNHIC-MS-AO-N-KS
Exclusions and Limitations:
The benefits of this policy will not duplicate any benefits paid by Medicare. The combined benefits of this policy and the benefits paid by Medicare may not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred. This policy will not pay benefits for the following:
(1) the Medicare Part B Deductible;
(2) any expense which You are not legally obligated to pay; or services for which no charge is normally made in the absence of insurance;
(3) any services that are not medically necessary as determined by Medicare;
(4) any portion of any expense for which payment is made by Medicare or other government programs (except Medicaid); or for which payment would have been made by Medicare if You were enrolled in Parts A and B of Medicare;
(5) any type of expense not a Medicare Eligible Expense except as provided previously in this policy;
(6) any deductible, Coinsurance or Co-payment not covered by Medicare, unless such coverage is listed as a benefit in this policy; or
(7) Preexisting Conditions: We will not pay for any expenses incurred for care or treatment of a Preexisting Condition for the first six (6) months from the effective date of coverage. This exclusion does not apply if You applied for and were issued this policy under guaranteed issue status; if on the date of application for this policy You had at least six (6) months of prior Creditable Coverage; or, if this policy is replacing another Medicare Supplement policy and a six (6) month waiting period has already been satisfied. Evidence of prior coverage or replacement must have been disclosed on the application for this policy. If You had less than six (6) months prior Creditable Coverage, the Preexisting Conditions limitation will be reduced by the aggregate amount of Creditable Coverage. If this policy is replacing another Medicare Supplement policy, credit will be given for any portion of the waiting period that has been satisfied.