Cigna Plan Comparison
| Plan | What’s Covered | Monthly Premium |
|---|---|---|
| Plan F | All Medicare gaps, the most comprehensive Medigap plan (available to those eligible before Jan 1, 2020) | Get my rate or 312.800.0751 |
| Plan F (High-Deductible) | Same benefits as Plan F after you meet the 2026 annual deductible ($2,950) | Get my rate or 312.800.0751 |
| Plan G | All Medicare gaps except Part B deductible ($283 in 2026). Best overall value for new enrollees | Get my rate or 312.800.0751 |
| Plan N | Part A & B coinsurance, hospitalization; copays up to $20/office visit and $50/ER. Lower premium option | Get my rate or 312.800.0751 |
Cigna Medicare Supplement premiums vary by age, gender, tobacco use and ZIP code, and are subject to underwriting. Request a personalized quote or call 312.800.0751 for your rate. Plan F and High-Deductible Plan F are available only to those eligible for Medicare before Jan 1, 2020.
SHOW THE SAVINGS: PLAN F vs PLAN G
Plan F and Plan G pay for exactly the same things, with one single exception: Plan F pays your Medicare Part B deductible and Plan G does not. For 2026 that deductible is $283. The Part A deductible, all of the coinsurance, skilled nursing care, Part B excess charges and foreign travel emergency coverage are identical on both plans.
So the entire decision comes down to one question:
Does Plan F cost more than $283 per year more than Plan G?
Yes: Plan G is the cheaper plan.
No: Plan F is the cheaper plan.
Worked example (2026)
Sample premiums for illustration only. Your actual rate depends on your age, ZIP code, gender and tobacco use. Call 312.800.0751 for real Illinois rates.
| Your annual cost | Plan F | Plan G |
|---|---|---|
| Step 1. Annual premium (sample: $200 vs $165 a month) | $2,400 | $1,980 |
| Step 2. Part B deductible you pay yourself | $0 (Plan F pays it) | $283 |
| Step 3. Total worst case cost for the year | $2,400 | $2,263 |
| Annual savings with Plan G | - | $137 |
How to read it: Plan F costs $420 more per year in premium ($2,400 minus $1,980), but the only extra thing it buys you is the $283 deductible. You would be paying $420 to avoid $283 of cost, so Plan G finishes $137 ahead. And that is the worst case, in a year where you actually use the whole deductible. In a year you never meet it, Plan G is ahead by the full $420.
Break-even point: with a $1,980 Plan G premium, Plan F only wins if it is priced at $2,263 a year or less. Anything above that and Plan G is the better buy.
Important: Plan F is only available if you were eligible for Medicare before January 1, 2020. If you turned 65 after that date, Plan G is the most comprehensive Medicare Supplement you can buy.
Why Choose Cigna Medicare Supplement?
- No network restrictions: see any doctor or specialist who accepts Medicare, anywhere in the country
- Healthy Rewards program: exclusive discounts on fitness memberships, weight management, chiropractic, and vision services
- 24/7 nurse helpline: access to registered nurses around the clock at no extra cost
- Foreign travel emergency coverage: 80% of medically necessary emergency care costs outside the U.S., up to $50,000 lifetime
- Household discount available: up to 7% off when two household members both enroll in a Cigna Medicare Supplement plan
Frequently Asked Questions
Can I use my Cigna Medicare Supplement plan with any doctor?
Yes. Cigna Medicare Supplement plans work with any provider nationwide who accepts Medicare, with no network restrictions, no referrals required.
When can I enroll in a Cigna Medicare Supplement plan?
The best time is during your Medigap Open Enrollment Period, the 6 months beginning when you turn 65 and enroll in Medicare Part B. During this window Cigna cannot deny coverage or charge more due to pre-existing conditions.
Does Cigna offer a household discount in Illinois?
Yes. Cigna offers two household-related discounts on Medicare Supplement plans:
- Household Discount: up to 7% off when two or more household members are both enrolled in a Cigna Medicare Supplement plan.
- Living with Someone Discount: up to 6% off if you live with any other adult age 18 or older, even if they are not on a Cigna plan.
Discount availability and exact percentages may vary. Call 312.800.0751 for your personalized rate with applicable discounts applied.
What’s the difference between Cigna Plan G and Plan N?
Plan G covers everything except the Medicare Part B deductible ($283 in 2026). Plan N has the same core coverage but requires copays of up to $20 per office visit and $50 for ER visits, and typically carries a lower monthly premium. If you rarely visit the doctor, Plan N may save you money overall.
Compare More Illinois Medicare Supplement Carriers
Shopping multiple carriers is the best way to find the right plan at the right price. Compare Medico Medicare Supplement plans, Physicians Mutual Medicare Supplement plans, BlueCross BlueShield of Illinois Medicare Supplement plans, and Humana Medicare Supplement plans, or view all carriers on our Illinois Medicare Supplement Insurance comparison page.
Free Illinois insurance tools
Comparing Cigna Medigap plans for 2026? Check these first.