Cigna Medicare Supplement Plan N in Tampa Bay Florida

Why Choose Cigna for Medicare Supplement Plan N? 🌟

Cigna brings several advantages to Medicare Supplement insurance:

• National Reputation: Cigna is a well-established, financially strong insurance company
• Competitive Rates: Cigna often offers some of the most competitive Plan N premiums in Florida
• Rate Stability: Cigna has a history of moderate, predictable rate increases over time
• Lower Premiums Than Plan G: Save $300-$600+ annually compared to Plan G while keeping excellent coverage
• Customer Service: Dedicated support for Medicare Supplement policyholders
• Financial Strength: Strong financial ratings ensure long-term stability

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

What Is Medicare Supplement Plan N? 🛡️

Medicare Supplement Plan N (also called Medigap Plan N) 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.

Plan N offers nearly the same comprehensive coverage as Plan G but with lower monthly premiums. The trade-off? Small, predictable copays when you see doctors.

Important: Plan N benefits are standardized by federal law. Cigna’s Plan N covers exactly the same things as Plan N from any other insurance company—the only differences are price and customer service.

What Does Cigna Medicare Supplement Plan N Cover? 📋

Cigna Plan N provides comprehensive coverage with just a few small copays:

1. Part A Hospital Coinsurance and Hospital Costs 🏥

Cigna Plan N covers 100% of Part A hospital coinsurance ($408/day for days 61-90, $816/day for lifetime reserve days in 2026), plus an additional 365 days of hospitalization after Medicare benefits are exhausted.

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

Cigna Plan N covers the Part A deductible completely. You won’t pay anything out of pocket when admitted to the hospital.

3. Part A Hospice Care Coinsurance or Copayment ❤️

Cigna Plan N 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, Cigna Plan N covers 100% of the $204/day coinsurance.

5. Part B Coinsurance or Copayment (with small exceptions) 👨‍⚕️

After you meet the Part B deductible, Cigna Plan N covers the 20% coinsurance that Original Medicare doesn’t pay—except for:

• Office visits: Up to $20 copay per visit
• Emergency room visits: Up to $50 copay (waived if you’re admitted to the hospital)

These copays are the trade-off for Plan N’s lower premiums. For most people, the copay costs are far less than the premium savings.

6. First Three Pints of Blood 🩸

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

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

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

What Does Cigna Plan N NOT Cover? ❌

Plan N has a few gaps compared to Plan G:

1. Part B Deductible ($257 in 2026)

You pay the first $257 in Part B medical expenses each year before Plan N coverage kicks in. (Plan G doesn’t cover this either.)

2. Office Visit Copays (Up to $20)

Every time you see a doctor—primary care or specialist—you’ll pay up to $20 per visit. This is the main difference between Plan N and Plan G.

3. Emergency Room Copays (Up to $50)

If you visit the emergency room, you’ll pay up to $50 (waived if admitted). Most people don’t visit the ER frequently, so this rarely impacts total costs significantly.

4. Part B Excess Charges

If a doctor charges up to 15% more than the Medicare-approved amount, Plan N doesn’t cover these “excess charges.” However, excess charges are relatively rare—only about 1-2% of doctors actually charge them, and over 96% of physicians accept Medicare assignment (meaning they can’t charge excess charges).

Plan N vs. Plan G: The Math 🧮

Here’s what everyone wants to know: Will Plan N’s lower premiums save me money even with the copays?

Typical Premium Savings with Plan N:
Plan N premiums are typically $25-$40 per month lower than Plan G—that’s $300-$480 per year in savings.

The Copay Math:
If Plan N saves you $400/year in premiums, how many doctor visits would wipe out those savings?

$400 ÷ $20 per visit = 20 doctor visits per year

Most healthy Medicare beneficiaries see doctors far less frequently. Even if you have chronic conditions and see doctors regularly, you’d need to average nearly 2 visits per month to spend more on copays than you save in premiums.

Example Scenario:

• Annual wellness visit: $20
• Quarterly checkups: 4 visits × $20 = $80
• Occasional sick visits: 3 visits × $20 = $60
• Specialist visits: 4 visits × $20 = $80
• Total copays: $240
• Premium savings: $400
• Net savings with Plan N: $160

💰 Want me to run the numbers for your specific situation? Schedule your free consultation!

What You Still Need Beyond Cigna Plan N 🤔

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

1. Prescription Drug Coverage (Part D) 💊

Critical: Cigna Plan N does NOT include prescription drug coverage. You must enroll in a standalone Medicare Part D plan. 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.

2. Dental Coverage 🦷

Original Medicare and Cigna Plan N don’t cover routine dental care like cleanings, fillings, crowns, or dentures.

3. Vision Coverage 👓

Routine vision exams, eyeglasses, and contact lenses aren’t covered by Medicare or Cigna Plan N.

4. Hearing Coverage 👂

Medicare doesn’t cover routine hearing tests or hearing aids.

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

Choose Cigna Plan N If You:

• Want freedom to see any doctor in the country who accepts Medicare (no networks)
• Are relatively healthy and don’t see doctors frequently
• Want comprehensive Medigap coverage at a lower cost than Plan G
• Don’t mind small copays when you do see doctors
• Travel frequently or split time between multiple states
• Want predictable costs and protection from catastrophic expenses

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 comfortable using network providers
• Primarily stay in your local area

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

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

Plan N premiums vary based on age, gender, tobacco use, and ZIP code.

Plan N premiums are typically $25-$50/month lower than Plan G premiums—that’s $300-$600 per year in savings.

Important: Rates vary significantly between carriers for the exact same Plan N coverage. Always compare multiple companies.

When Can I Enroll in Cigna Plan N? 📆

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 N. Don’t miss this window!

Outside Open Enrollment (Medical Underwriting Applies)

If you apply for Cigna Plan N outside your Medigap Open Enrollment Period, you’ll typically face medical underwriting. Cigna can deny coverage or charge higher premiums based on your health.

📅 Review all Medicare enrollment periods and deadlines.

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

Choose Plan N if you:

• Are relatively healthy and see doctors fewer than 20 times per year
• Want to minimize guaranteed monthly costs
• Don’t mind small copays when you do see doctors
• Want comprehensive coverage at a lower premium than Plan G

Choose Plan G if you:

• Have chronic conditions and see doctors frequently
• See multiple specialists regularly
• Hate the idea of paying copays every time you see a doctor
• Want absolutely zero out-of-pocket costs after paying premiums
• Can comfortably afford the higher premiums

📖 Read our complete Plan G guide for detailed comparisons.

Why Shop Cigna Plan N 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 most other major Plan N carriers
• ✓ Same Price, Better Service: You pay the same premium whether you buy direct or through me
• ✓ Plan N vs. Plan G Analysis: I’ll run the numbers to show which plan saves you more
• ✓ 16+ Years Industry Experience, 8 as a Licensed Agent/Broker: Deep knowledge of Tampa Bay Medicare market
• ✓ Part D Coordination: I’ll help you find the best Part D plan
• ✓ Annual Reviews: I’ll check your rates every year
• ✓ Completely Free: Insurance companies pay me, so my services cost you nothing

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

Get Your Free Cigna Plan N Quote 📋

Ready to explore Cigna Plan N 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 N quotes from Cigna and other top carriers
• Run the math: Plan N vs. Plan G to see which saves you more money
• Show you carrier rate increase histories
• Calculate your break-even point for copays vs. premium savings
• 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 Cigna or HealthPlan4U for more information. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

HealthPlan4U (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