Cigna offers low-cost Medicare Advantage plans with ratings that match the industry average.
offering plans in just over half of U.S. states. The insurer also offers stand-alone Medicare drug plans nationwide
Cigna offers a lot of $0-premium Medicare Advantage plans — at least one in every market the provider serves.
Although most of Cigna’s Medicare Advantage members are in highly rated plans, the company’s offerings don’t always get top marks from third-party rating agencies.
Pros Low-cost options: More than 8 in 10 (81%) of Cigna’s Medicare Advantage offerings are $0-premium plans.
Prescription drug plans widely available: Cigna offers three stand-alone prescription drug plans that are available in all states, Puerto Rico and Washington, D.C.
Breadth of benefits: Cigna offers a number of helpful member benefits, such as 24/7 telehealth, meal delivery and transportation to and from health facilities.
Cons Sliding member satisfaction: Cigna Health, a Cigna subsidiary, came in eighth out of nine Medicare Advantage providers in J.D. Power’s latest Medicare Advantage study on member satisfaction.
Limited plan types: Although Cigna does have PPO plans, a majority of the company’s Medicare Advantage plans are HMOs, which require members to get most of their care from in-network providers.
Limited availability: Cigna Medicare Advantage plans are available in 28 states and Washington, D.C., only
Third-party ratings: The National Committee for Quality Assurance doesn’t give any Cigna plan a rating higher than 3.5 out of 5 on its ratings scale.