Cigna Medicare Supplement Plan G Review
If you’re turning 65 or shopping for better Medicare coverage, there’s a good chance you’ve come across Plan G. It’s hands down one of the most comprehensive Medicare Supplement (Medigap) options out there – and for good reason.
Cigna itself has been around for over 225 years. While they may not always offer the lowest premium in every zip code, they’ve built a solid reputation in the Medicare Supplement space.
Their plans often include up to a 25% household discount, and they offer 24/7 customer service, which can be a major plus if you ever need help with billing or claims.
In this article, we’ll review:
- How Medigap Plan G works
- Cigna Medigap Plan G premiums
- Competitor analysis
- Cigna’s extra perks
- Plan G vs. Medicare Advantage
- Pros and cons
We’ll also give some insights to hopefully help you decide if Cigna Medigap Plan G is the right fit for you.
Let’s start with how Medigap Plan G works.
How Does Medigap Plan G Work?
Plan G is designed to fill almost all the gaps left by Original Medicare. It covers things like hospital coinsurance, skilled nursing facility care, hospice care, excess charges, and even 80% of foreign travel emergencies.
Here’s a list of what Plan G covers:
- Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used up)
- Part B coinsurance or copayment
- First 3 pints of blood
- Part A hospice care coinsurance or copayment
- Skilled nursing facility (SNF) coinsurance
- Part A deductible
- Foreign travel emergency care (up to plan limits)
- Excess charges for Part B (the extra amount some providers may charge over Medicare’s approved amount)
It also takes care of your outpatient coinsurance and eliminates nearly all out-of-pocket costs – except for the Medicare Part B deductible, which is $257 in 2025. Once you’ve met that, Plan G kicks in and takes care of the rest.
Cigna’s version of Plan G offers the exact same benefits as any other insurer offering the plan. That’s because all Medigap plans are standardized.
Whether you get Plan G through Cigna, Mutual of Omaha, or UnitedHealthcare, the medical coverage is identical. The only real differences between companies are pricing, customer service, and the stability of the rates over time.
Next up, let’s talk about how much Medigap Plan G premiums are with Cigna.
How Much Does Cigna Medicare Supplement Plan G Cost?
The monthly premium for Cigna’s Plan G isn’t set in stone – it can vary quite a bit depending on several key factors.
Your age, gender, tobacco use, zip code, and how the company sets its rates (attained-age, issue-age, or community-rated) all affect what you’ll end up paying.
Here’s a quick look at some sample monthly premiums for Cigna Plan G:
Keep in mind that these are sample rates and can vary based on your exact zip code, gender, health, and whether you qualify for any discounts.
Generally speaking, premiums go up as you get older. Some states also tend to have higher average rates than others, and if you live in an area with less competition, that can bump your price up too.
Cigna does offer household discounts in many states, which can help lower the cost if you and your spouse both enroll.
Ultimately, the best way to find out what you’ll pay is to get a personalized quote.
How Does Cigna Plan G Compare to Allstate, Aetna, and Mutual of Omaha?
One of the most common questions we hear is:
How does Cigna stack up against the other big-name Medigap companies?
The truth is that because all Plan G policies offer identical medical benefits, price becomes a major deciding factor – and this is where Cigna often shines.
Here’s a side-by-side comparison of sample monthly premiums for four top carriers, based on a non-smoking 65-year-old male in a few key states:
| Company | Age 65 (TX) | Age 65 (FL) | Age 65 (GA) | Age 65 (AZ) |
|---|---|---|---|---|
| Cigna | $167 | $204 | $170 | $149 |
| Allstate | $142 | $220 | $158 | $172 |
| Aetna | $268 | $258 | $199 | $208 |
| Mutual of Omaha | $159 | $227 | $203 | $224 |
As you can see, Cigna performs very well overall. It’s consistently one of the most competitively priced options, especially for people just turning 65.
The takeaway? If you’re just looking at cost, Cigna is definitely worth considering. You’re getting the same coverage as the other companies, but in a lot of cases, you’ll pay a bit less for it.
What Are Cigna’s Medicare Supplement Perks?
While Plan G benefits are standardized across all insurance companies, Cigna includes a few extra perks that can add real value – especially if you like getting more for your money.
#1. Vision Discount Program
- Cigna offers discounts on routine eye care, such as exams, glasses, and contacts. It’s not full-blown vision insurance, but for basic needs, the savings are worth noting.
#2. Dental Discount Program
- You’ll also have access to a dental savings program that helps lower the cost of services like cleanings, X-rays, and fillings. It’s a helpful benefit if you’re looking to avoid paying for a separate dental policy.
#3. Gym Membership (Silver&Fit)
- Most Cigna Medigap plans include a Silver&Fit gym membership for an average monthly price of $25. This gives you access to thousands of fitness centers across the country, a great option if staying active is a priority.
#4. 24/7 Health Hotline
- Cigna includes a nurse hotline you can call any time day or night. Whether you’ve got a question about symptoms, prescriptions, or next steps after a diagnosis, it’s a quick way to get medical guidance without a trip to the clinic.
#5. Household and Auto-Pay Discount
- If both you and your spouse are enrolled, Cigna offers up to a 25% household discount in certain states. On top of that, signing up for automatic payments can knock a few more dollars off your monthly premium.
These extras aren’t the reason most people choose a Medigap plan, but when you’re comparing companies with identical medical coverage, perks like these can help one carrier stand out from the rest.
How Does Cigna Medicare Supplement Plan G Compare to a Medicare Advantage PPO Plan?
A lot of people also ask us:
Why would I pay more for a Medigap plan when Medicare Advantage PPOs seem cheaper on the surface?
It’s a fair question – but when you compare the two side by side, the differences in flexibility, coverage, and long-term stability really start to stand out.
Here’s a breakdown of how Cigna’s Plan G stacks up against a typical Medicare Advantage PPO:
| Feature | Cigna Plan G | Medicare Advantage PPO |
|---|---|---|
| Doctor Networks | No network restrictions | Limited to PPO network |
| Referrals Required? | No | Sometimes required |
| Prior Authorizations | No | Frequently required |
| Annual Plan Changes | No | Yes |
| Out-of-Pocket Predictability | High (very predictable costs) | Variable (can change year to year) |
| Foreign Travel Coverage | Yes (up to 80%) | Limited or not covered |
In summary:
Cigna Plan G gives you full access to any doctor or hospital nationwide that accepts Medicare – no referrals, no networks, and no guessing whether a treatment will need prior approval. That alone can be a huge relief, especially if you travel often or just want the freedom to choose your providers.
Medicare Advantage PPOs, on the other hand, tend to come with more red tape. You’ll need to stay within their network for lower costs, and even then, you might hit roadblocks with prior authorizations or changes to your plan benefits each year.
If stability and freedom are important to you, Cigna Plan G is hard to beat. You’ll pay a bit more in monthly premiums, but you’re getting a plan that won’t change under your feet – and one that minimizes surprise bills and coverage headaches down the road.
Can I Travel With My Cigna Medicare Supplement Plan?
Yes – one of the biggest advantages of having a Cigna Medicare Supplement plan, including Plan G, is that your coverage travels with you. Whether you’re moving across state lines or just visiting family out of town, your plan goes with you anywhere in the U.S.
As long as the provider accepts Medicare, you’re covered. No networks. No referrals. No stress.
Even better, Cigna’s Plan G includes emergency coverage for foreign travel. If you’re outside the U.S. and need emergency care, Plan G will pay 80% of the approved costs up to plan limits.
That’s a major benefit you won’t find with most Medicare Advantage plans, which often exclude or severely limit international coverage.
For people who like the freedom to travel – whether it’s cross-country or overseas – Plan G gives you the peace of mind that your benefits go wherever you do.
What States Is Cigna Medicare Supplement Plan G Offered In?
Cigna offers its Medicare Supplement (Plan G and other lettered plans) in most states across the U.S., but availability can vary slightly depending on the product version they’re offering under different underwriting companies like Cigna Health and Life Insurance Company, Cigna National Health Insurance Company, or Loyal American Life Insurance Company (all under the Cigna umbrella).
As of 2025, Cigna Medigap plans – including Plan G – are offered in over 40 states, including:
| Texas | Georgia | South Carolina |
| Florida | Pennsylvania | Indiana |
| California | North Carolina | Nevada |
| Arizona | Tennessee | Oklahoma |
| Illinois | Michigan | Wisconsin |
| Ohio | Missouri | and many more |
There are a few exceptions. Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap rules, so Plan G (as it’s defined in other states) isn’t available there in the traditional format.
The best way to confirm Cigna availability and pricing in your specific area is to run a quote – not all states offer the same pricing, discounts, or plan versions.
Does Cigna Medicare Supplement Plan G Change Benefits Each Year?
No, Cigna Medicare Supplement Plan G does not change its benefits from year to year.
One of the biggest advantages of choosing a Medigap plan like Plan G is that it’s standardized by the federal government, which means the coverage is locked in – no matter which insurance company you buy it from or what year you enroll.
Once you’re in, your benefits are guaranteed for life as long as you continue to pay your premium.
This is a huge contrast to Medicare Advantage plans, which can (and often do) change each year. With Advantage plans, provider networks, out-of-pocket costs, and even covered services can shift from one year to the next – sometimes without much notice.
With Cigna Plan G, you won’t have to worry about your benefits disappearing or your doctor suddenly being out of network.
What Are the Pros and Cons of Medicare Supplement Plan G?
No Medicare plan is perfect for everyone – but Plan G comes pretty close if you value flexibility, predictability, and comprehensive coverage.
Still, like any coverage option, it has its trade-offs. Let’s go over the pros and cons.
Pros of Plan G:
- No referrals are required to see specialists
- No prior authorizations for procedures or services
- No provider networks to deal with
- No annual benefit changes to keep up with
- Freedom to see any provider nationwide who accepts Medicare
- Lifetime fixed benefits as long as you continue to pay your premium
These are the reasons so many Medicare beneficiaries choose Plan G. It’s a low-stress plan that gives you control and long-term security.
Cons of Plan G:
- Monthly premiums are typically higher than those of Medicare Advantage plans
- Prescription drug coverage is not included (you’ll need a separate Part D plan)
So, while Plan G may not be the cheapest option up front, it offers stability, simplicity, and fewer surprises – which can more than makeup for the higher monthly cost over time.
Can I See Specialists and Top Facilities with Cigna Medicare Supplement Plan G?
Yes, with Cigna Medicare Supplement Plan G, you can see any specialist or facility that accepts Medicare, including prestigious ones like Mayo Clinic, Cleveland Clinic, MD Anderson, and more.
Here’s how it works:
- Plan G is a Medigap plan, not a Medicare Advantage plan, so it doesn’t have a network.
- As long as the provider accepts Original Medicare, your Plan G will cover your Medicare-approved costs (after you meet the annual Part B deductible).
- You don’t need referrals to see specialists.
- You can go to facilities nationwide, making it a great choice if you want flexibility.
Just make sure:
- The facility or doctor bills Medicare directly.
- You’ve met your Part B deductible ($257 in 2025); after that, Plan G pays 100% of the approved costs.
With Cigna Medicare Supplement Plan G, you have the freedom to see any doctor or specialist in the U.S. who accepts Medicare – without network restrictions or referrals.
Whether it’s the Mayo Clinic, Cleveland Clinic, or any other top-tier facility, as long as they accept Medicare, you’re covered. This makes Plan G a strong choice for those who value nationwide access and flexibility in their healthcare
Is Plan G Right for You?
If you’re looking for a Medicare plan that keeps things simple and dependable, Plan G is one of the strongest choices available.
It’s a great fit for people who don’t want to deal with networks, referrals, or prior authorizations. With Plan G, you can see any doctor or specialist nationwide who accepts Medicare – no restrictions, no hoops to jump through.
That level of freedom is hard to beat, especially if you travel often or have specific doctors you want to continue seeing.
Plan G also gives you long-term stability. Your benefits are guaranteed for life and won’t change year to year. You won’t have to worry about your coverage being reduced, your doctor leaving a network, or your plan suddenly working differently next year.
Once you enroll, you’re set.
We typically recommend Plan G to people who:
- Want full control over their healthcare decisions
- Prefer to avoid prior authorizations and network limitations
- Want consistent, lifelong benefits that don’t change
- Travel frequently or live part-time in more than one state
- Value peace of mind knowing they’re covered for almost every Medicare-approved service
If that sounds like you, Plan G is likely a very good fit.
Bottom Line
We’ve worked with Cigna for many years, and they’ve proven to be a reliable and consistent Medicare Supplement provider. When our clients choose Cigna, we feel confident they’re getting a solid plan from a company that knows what it’s doing.
Right now, Cigna’s Plan G is one of the most competitively priced options on the market in many states. And since all Plan Gs offer the exact same core benefits – regardless of which company you buy from – the real deciding factors come down to pricing, rate stability, and a few added perks.
Cigna checks all three boxes. If you’re looking for dependable coverage, a fair monthly premium, and extras like gym memberships, vision discounts, and 24/7 nurse support, Cigna Plan G is worth a serious look.
What if I’m still unsure about which Medigap company to choose?
That’s where we can help. As licensed agents here at Policy Guide, we work with Cigna and many other top-rated carriers. This allows us to compare rates side by side, walk you through your options, and explain how each company handles things like rate increases, underwriting, and enrollment timing.
We’re not tied to one company, so our advice is based on what’s actually best for you – not what helps us.
We’ve helped thousands of people make confident Medicare decisions, and we’re happy to do the same for you.
Whether you need help with a quick quote or want a full breakdown of the best options in your area, we’re just a phone call away.
Frequently Asked Questions
What does Plan G not cover?
Medicare Supplement Plan G does not cover the Medicare Part B deductible, long-term care, routine vision or dental services, hearing aids, or prescription drug coverage (Part D). You’ll need to purchase separate coverage for these services if they’re important to you.
What is the maximum out-of-pocket for Medicare Supplement Plan G?
Unlike Medicare Advantage plans, Plan G doesn’t have an official out-of-pocket maximum. However, once you meet the annual Medicare Part B deductible ($257 in 2025), Plan G covers 100% of all Medicare-approved expenses for the rest of the year.
What does Plan G cover for emergency room visits?
Plan G covers ER visits as long as they’re Medicare-approved. After you pay the Part B deductible, the plan covers your share of coinsurance or copayments for emergency care – with no need for prior authorization or network restrictions.
Why is Plan G considered better than Medicare Advantage?
Plan G is preferred by many because it offers:
- No provider networks
- No prior authorizations or referrals
- No annual plan changes
- More predictable, comprehensive coverage
- Nationwide access to any doctor or hospital that accepts Medicare
These benefits offer long-term peace of mind and flexibility – especially for people who travel or want to keep their current doctors.
Does Plan G cover dental care?
No, Plan G doesn’t include dental coverage. However, Cigna offers optional dental discount programs and standalone dental insurance plans you can add separately if needed.
