Cigna is the seventh largest provider of Medicare Advantage
[1]
, 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.

Here’s what you should know about Cigna Medicare Advantage.

Cigna Medicare Advantage pros and cons
Cigna’s offerings have advantages and disadvantages.

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. That’s a fall from third place in 2021.

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.

» MORE: Best Medicare Advantage plans
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Available Medicare Advantage plans
Cigna offers a few kinds of Medicare Advantage plans, and they vary in terms of structure, costs and benefits. Cigna offers Medicare Advantage prescription drug plans, or MAPDs, as well as stand-alone prescription drug plans and Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

HMO plans

PPO plans

SNPs

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Additional benefits
Cigna Medicare Advantage offers many members access to routine vision, dental and hearing coverage. Some plans offer other benefits as well. Here are a few standouts, although their availability varies by plan:

24/7 telehealth: Members with minor medical issues can speak to a medical professional any time of day.

Over-the-counter allowance: Some plans include an OTC quarterly allowance that you can use to order items like aspirin, cold medicine and vitamins from Cigna’s OTC catalog. (You can shop online, over the phone or by mail.)

Transportation services: Some plans include a certain number of nonemergency, one-way trips to or from health facilities within 60 miles.

Silver&Fit Healthy Aging and Exercise Program: Some plans provide a fitness center membership or a home fitness program, depending on your needs.

Home-delivered meals: Some plans include the option to have meals delivered to your home after you’ve been discharged from an acute inpatient hospital stay or skilled nursing facility stay.

Cigna Case Management: Members with chronic conditions like diabetes or epilepsy can apply to this program; it helps them manage their condition using a team of nurses, pharmacists, health coaches and others.

Medication Therapy Management Program: Members with certain conditions who take specific medications can enroll in this program. The program may lower the risk of medication errors and help you make the most of your treatment.

Companionship benefits: New last year and expanded this year, some members may be paired with a companion to keep them company or help with daily tasks.

Part B rebates: About a quarter of Cigna’s plans offer a rebate of up to $130 that can be put toward that member’s Part B monthly premium or other expenses.

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Customer service
Cigna Medicare Advantage members can contact their plan’s customer service in a few ways:

Call a customer service representative at 800-997-1654, available 24 hours a day, 365 days a year. (TTY/TDD dial 711 and follow the prompts.)

Chat with a member services representative, Monday to Friday from 9 a.m. to 8 p.m. Eastern time.

Contact Cigna through Facebook.

Contact Cigna through Twitter.

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Cigna Medicare Advantage service area
Cigna offers Medicare Advantage plans in 28 states (New York and Kentucky are new in 2023) and Washington, D.C. It offers Medicare prescription drug plans in all 50 states, plus Puerto Rico and Washington, D.C. Altogether, Cigna offers Medicare Advantage plans in 581 counties
[2]
.

Overall, Cigna is the sixth-largest Medicare Advantage provider in the country among for-profit health plans
[3]
. More than half a million Medicare beneficiaries are enrolled in Cigna Medicare Advantage plans as of October 2022, and the company added 24,000 new members for the 2023 plan year.

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Cost
Costs for Medicare Advantage plans will depend on your plan, your geographic location and your health needs. One of the costs to consider is the plan’s premium, and Cigna offers a $0-premium plan in every market in 2023. In fact, more than 8 in 10 of Cigna’s Medicare Advantage plans are $0-premium plans
[4]
.

For Medicare Advantage plans with a premium, the monthly consolidated premium (including Part C and Part D) ranges from $16.50 to $118. For special needs plans with a premium, monthly premiums range from $7 to $79
[5]
.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $164.90 per month in 2023, although some plans cover part or all of this cost.

Other out-of-pocket costs to consider include:

Whether the plan covers any part of your monthly Medicare Part B premium.

The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

The plan’s in-network and out-of-network out-of-pocket maximums.

Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s Plan Finder to compare information among available plans in your area. You can select by insurance carrier to see only Cigna plans or compare across carriers. You can also shop directly from Cigna’s website by entering your ZIP code.

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Medicare star ratings
Average star rating, weighted by enrollment: 4.15

If you want Medicare’s take on Cigna’s plans, look no further than the Centers for Medicare & Medicaid Services' own star ratings, which rank each plan from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

All Medicare Advantage plans are evaluated on health plan measures, and Medicare Advantage plans that include prescription drug coverage are also evaluated on drug plan measures.

Based on the most recent year of data and weighted by enrollment, Cigna’s 2023 Medicare Advantage plans get an average rating of 4.15 stars
[6]
.

Cigna's weighted average star rating is the same as the average for plans from all providers: 4.15
[7]
.

While a few plans have lower ratings, most of Cigna’s members are in highly rated plans. Of members who are in contracts with a Medicare star rating, 84% are in contracts rated 4.0 or above as of October 2022
[8]
.