Cigna Medicare Supplement Plan G in Tampa Bay Florida

Why Choose Cigna for Medicare Supplement Plan G? 🌟

Cigna brings several advantages to Medicare Supplement insurance:

• National Reputation: Cigna is a well-established, financially strong insurance company with decades of experience
• Competitive Rates: Cigna often offers some of the most competitive Plan G premiums in Florida
• Rate Stability: Cigna has a history of moderate, predictable rate increases over time
• Customer Service: Dedicated support for Medicare Supplement policyholders
• Financial Strength: Strong financial ratings ensure the company will be there when you need them
• Easy Claims: Streamlined claims process that works seamlessly with Medicare

🧠 New to Medicare? Start with our comprehensive Guide to the Four Parts of Medicare.

What Is Medicare Supplement Plan G? 🛡️

Medicare Supplement Plan G (also called Medigap Plan G) is a standardized insurance policy that works alongside Original Medicare Part A and Part B to cover most of the out-of-pocket costs that Medicare doesn’t pay.

Important: Plan G benefits are standardized by federal law. This means Cigna’s Plan G covers exactly the same things as Plan G from any other insurance company—the only differences are price and customer service. You can’t get “better” Plan G coverage by choosing one company over another, which is why comparing rates is so important.

What Does Cigna Medicare Supplement Plan G Cover? 📋

Cigna Plan G provides comprehensive coverage for Medicare cost-sharing:

1. Part A Hospital Coinsurance and Hospital Costs 🏥

After Medicare pays its share, you’re responsible for daily coinsurance during hospital stays ($408/day for days 61-90 in 2026, $816/day for lifetime reserve days). Cigna Plan G covers 100% of this coinsurance, plus an additional 365 days of hospitalization after Medicare benefits are exhausted.

2. Part A Deductible ($1,676 in 2026) 💰

Cigna Plan G covers the Part A deductible completely, so you won’t pay anything out of pocket when admitted to the hospital.

3. Part A Hospice Care Coinsurance or Copayment ❤️

Cigna Plan G covers the small copayments required for hospice care outpatient drugs and respite care.

4. Skilled Nursing Facility Coinsurance ($204/day in 2026) 🏨

For days 21-100 in a skilled nursing facility, Medicare requires $204/day coinsurance. Cigna Plan G covers 100% of this cost.

5. Part B Coinsurance or Copayment (Usually 20%) 👨‍⚕️

This is the biggest benefit. After you meet the Part B deductible ($257 in 2026), Cigna Plan G covers the 20% coinsurance that Original Medicare doesn’t pay. Since there’s no annual cap on Part B coinsurance, this protection can save you thousands or even tens of thousands of dollars if you need expensive treatments.

6. First Three Pints of Blood 🩸

Cigna Plan G covers the cost of the first three pints of blood each year if needed.

7. Part B Excess Charges ⚠️

If a doctor charges up to 15% more than the Medicare-approved amount (rare, but allowed in most states), Cigna Plan G covers 100% of these excess charges.

8. Foreign Travel Emergency (Up to Plan Limits) ✈️

If you have a medical emergency while traveling outside the U.S., Cigna Plan G provides coverage after a $250 deductible, paying 80% of costs up to a lifetime maximum of $50,000. Perfect for snowbirds or international travelers.

What Does Cigna Plan G NOT Cover? ❌

There’s only ONE thing Plan G doesn’t cover:

The Part B Deductible ($257 in 2026)

You pay the first $257 in Part B expenses each year before Cigna Plan G coverage kicks in. After that, Plan G covers virtually everything else.

This is the only difference between Plan G and the old Plan F (which is no longer available to new Medicare beneficiaries). Since Plan G premiums are typically $200-$400+ lower per year than Plan F premiums were, you save money with Plan G even after paying the $257 deductible.

What You Still Need Beyond Cigna Plan G 🤔

Medicare Supplement plans only cover what Original Medicare covers. You’ll still need:

1. Prescription Drug Coverage (Part D) 💊

Critical: Cigna Plan G does NOT include prescription drug coverage. You must enroll in a standalone Medicare Part D plan to cover your medications. If you don’t enroll when you’re first eligible and don’t have other creditable coverage, you’ll pay a permanent late enrollment penalty.

💊 We can help you find the best Part D plan for your specific medications at no cost to you.

2. Dental Coverage 🦷

Original Medicare and Cigna Plan G don’t cover routine dental care like cleanings, fillings, crowns, or dentures. You’ll need separate dental insurance or pay out of pocket.

3. Vision Coverage 👓

Routine vision exams, eyeglasses, and contact lenses aren’t covered by Medicare or Cigna Plan G. Consider standalone vision insurance or budgeting for these expenses.

4. Hearing Coverage 👂

Medicare doesn’t cover routine hearing tests or hearing aids, which can be expensive.

Cigna Plan G vs. Medicare Advantage: Which Is Right for You? 🤔

This is one of the most important decisions you’ll make. Here’s an honest comparison:

Choose Cigna Plan G If You:

• Want complete freedom to see any doctor in the country who accepts Medicare (no networks)
• Value predictable, low out-of-pocket costs with no surprise bills
• Don’t want to deal with prior authorizations or referrals
• Travel frequently or split time between multiple states
• Have chronic conditions or anticipate needing significant medical care
• Can comfortably afford the monthly premium

Choose Medicare Advantage If You:

• Want to minimize guaranteed monthly costs (many MA plans have $0 premiums)
• Want dental, vision, hearing, and other extras included
• Are generally healthy with few medical needs
• Are comfortable using network providers
• Don’t mind managed care and prior authorizations

🛡️ Read our complete comparison: Medicare Supplement vs Medicare Advantage.

How Much Does Cigna Plan G Cost in Tampa Bay? 💵

Plan G premiums vary based on several factors:

• Age: Premiums increase as you get older
• Gender: Women often pay slightly less than men
• Tobacco Use: Tobacco users pay higher premiums
• ZIP Code: Rates vary by location within Florida
• Household Discount: Some carriers offer discounts if both spouses enroll

Important: Rates can vary significantly between carriers for the exact same Plan G coverage. This is why it’s critical to compare multiple companies before enrolling.

💰 Get personalized Plan G rate comparisons from multiple carriers. Schedule your free consultation today!

Why Shop Cigna Plan G Through HealthPlan4U.com? 🌟

As an independent broker serving Hillsborough, Pinellas, Pasco, and Polk Counties, I can offer you:

• ✓ True Comparison Shopping: I represent Cigna AND all other major Plan G carriers, so you get genuine comparisons
• ✓ Same Price, Better Service: You pay the same premium whether you buy direct from Cigna or through me, but you get my ongoing support at no extra cost
• ✓ 16+ Years Local Experience: Deep knowledge of Tampa Bay Medicare market and carrier performance
• ✓ Rate Increase Monitoring: I track carriers’ rate histories to help you choose stable options
• ✓ Part D Coordination: I’ll help you find the best Part D plan to pair with your Plan G
• ✓ Annual Reviews: I’ll check your rates every year and help you switch carriers if better options emerge
• ✓ Completely Free: Insurance companies pay me, so my services cost you nothing

🧠 Learn what your Medicare broker should be doing for you.

When Can I Enroll in Cigna Plan G? 📆

Medigap Open Enrollment Period (Best Time to Enroll) ⭐

Your Medigap Open Enrollment Period is the 6-month period that starts when you’re 65 or older AND enrolled in Medicare Part B. During this time:

• Guaranteed Acceptance: Insurance companies cannot deny you coverage or charge more due to health conditions
• No Medical Underwriting: You don’t have to answer health questions
• Best Rates: You get standard rates regardless of health status

This is the single best time to enroll in Plan G. Don’t miss this window!

Outside Open Enrollment (Medical Underwriting Applies)

If you apply for Cigna Plan G outside your Medigap Open Enrollment Period, you’ll typically face medical underwriting:

• You’ll need to answer detailed health questions
• Cigna can deny coverage based on pre-existing conditions
• You may be charged higher premiums if approved

Limited Exceptions: You may have guaranteed issue rights in certain situations (like if your Medicare Advantage plan is discontinued). We can help you determine if you qualify.

📅 Review all Medicare enrollment periods and deadlines.

Cigna Plan G vs. Cigna Plan N: Which Should You Choose? 🤔

Both are excellent options. The main differences:

Plan G:

• Higher monthly premium
• No copays when you see doctors
• Covers Part B excess charges
• Best for: Those who see doctors frequently or want zero out-of-pocket costs

Plan N:

• Lower monthly premium (typically $25-40/month less)
• Up to $20 copay for doctor visits
• Up to $50 copay for ER visits (waived if admitted)
• Does not cover Part B excess charges (rare in practice)
• Best for: Healthy people who don’t see doctors often and want to save on premiums

📖 Read our complete Plan N guide to see if it’s right for you.

Get Your Free Cigna Plan G Quote 📋

Ready to explore Cigna Plan G and compare it against other top-rated carriers? Contact HealthPlan4U today:

📞 Call: 813-501-5011
📧 Email: tim@healthplan4u.com
🌐 Website: www.healthplan4u.com/contact

During your free consultation, I’ll:

• Get you personalized Plan G quotes from Cigna and other top carriers
• Compare Plan G vs. Plan N to see which saves you more money
• Show you carrier rate increase histories
• Help you find the best Part D plan for your medications
• Answer all your questions about Medicare Supplement insurance
• Handle your enrollment if you choose Cigna (or any other carrier)

Important Disclosures ⚠️

This information is not a complete description of benefits. Contact HealthPlan4U.com for more information. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

HealthPlan4U.com (TRG Life and Health Insurance) is an independent insurance agency and is not affiliated with or endorsed by Cigna or the federal Medicare program. We represent multiple Medicare Supplement carriers including but not limited to Cigna, Mutual of Omaha, Aetna, UnitedHealthcare, and Humana.

Licensed in Florida | License #: L111402
Service Areas: Hillsborough County, Pinellas County, Pasco County, Polk County