Cigna
Cigna (HealthSpring block) Medigap is a major national writer known for aggressive household discounts and competitive Plan G pricing in the Sun Belt.
| Fact | Cigna |
|---|---|
| Medigap plans offered | A, G, N, K, L (varies) |
| AM Best rating | A (Excellent) |
| Pricing model | Attained age |
| Household discount | Often among the largest (up to ~12%) where filed |
| Signature feature | Discount stack; multi-state portability |
Strengths
When two spouses both enroll, Cigna’s household discount compounds across two policies — run the couple math against the spouse rules FAQ. Its G rates frequently lead the carrier board in Texas, Florida, and Arizona ZIPs.
Watch-outs
Cigna rate-increase cadence in some states has run above median in recent filing years — verify the last three annual increases for your state before binding (see rate history). Availability of HD-G is limited.
FAQ
Is Cigna the same as HealthSpring?
HealthSpring became Cigna Medicare; the Medigap block is Cigna-branded today.
Does Cigna offer issue-age pricing anywhere?
Rarely — its book is attained-age almost nationwide.
Related reading: All carriers · Rate history · Plans board