by Russell Noga | Updated December 26th, 2024
Cigna Medicare Supplement Plan N 2025 helps fill gaps left by Original Medicare, offering a lower-cost option with essential benefits. This article covers Plan N’s features, costs, eligibility, and how it compares to other Medigap plans. Discover if Plan N is the right choice for you.
Key Takeaways
- Cigna Medicare Supplement Plan N provides 365 additional hospital days and covers 100% of Part B coinsurance, with specific copayments for certain services, balancing cost and coverage.
- The plan features competitive premiums but does not cover the Part B deductible, making it essential for beneficiaries to evaluate their healthcare needs.
- Enrollment is straightforward during the six-month window post Medicare Part B coverage, with additional discounts available for online sign-ups and spousal plans, enhancing affordability.
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Overview of Cigna Medicare Supplement Plan N
Cigna Medicare Supplement Plan N is meticulously designed to fill the gaps left by Original Medicare. One of the standout features of Plan N is its coverage for 365 additional days in the hospital beyond what Medicare Part A covers. This means that in the event of prolonged hospitalization, beneficiaries can rest assured that they will not be burdened with exorbitant costs.
Additionally, Plan N takes care of 100% of Part B coinsurance costs, though it requires copayments for certain office and emergency visits. This balance helps keep monthly premiums lower while still providing substantial coverage when you need it most.
Moreover, Cigna extends its coverage to include hospital services for an additional 365 days when inpatient care is required beyond Medicare’s benefits. These provisions make sure that policyholders are well-protected from unexpected medical expenses.
Key Features of Plan N
One of the most compelling features of Cigna Medicare Supplement Plan N is its competitive premiums, which are among the lowest in the market. This makes it an attractive option for those looking to balance cost and coverage. The lower premiums come with certain coverage details that might differ from other Medigap plans.
While Plan N offers lower premiums, it requires higher copayments for specific services like office and emergency room visits. This cost-sharing approach helps beneficiaries manage their out-of-pocket expenses more predictably while still receiving comprehensive coverage.
Though the premiums are lower, Plan N can lead to higher out-of-pocket costs for certain services. This trade-off is crucial for those expecting frequent medical visits, so evaluating personal healthcare needs is important when selecting this plan.
Eligibility for Cigna Medicare Supplement Plan N
To enroll in Cigna Medicare Supplement Plan N, individuals must be at least 65 years old and enrolled in Medicare Part B. This ensures that beneficiaries are already covered by the foundational aspects of Medicare before supplementing with Plan N.
Additionally, individuals must be enrolled in both Medicare Part A and Part B to qualify. Interestingly, those under 65 who are eligible for Medicare due to a disability may also qualify for Plan N, providing comprehensive coverage for a broader range of beneficiaries.
Cost of Cigna Medicare Supplement Plan N
The cost of Cigna Medicare Supplement Plan N is characterized by its competitive and budget-friendly premiums.
It’s important to note that Plan N does not cover the Part B deductible. This cost will need to be factored into your annual healthcare budget. Additionally, Plan N requires a copayment for certain office visits, adding to the overall healthcare costs.
Despite these costs, Cigna Medicare Supplement Plan N remains an appealing option due to its affordability compared to more comprehensive plans like Plan F. This makes it a suitable choice for those looking to manage their healthcare expenses effectively without compromising on essential coverage.
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How to Enroll in Cigna Medicare Supplement Plan N
Enrolling in Cigna Medicare Supplement Plan N is straightforward, particularly during the six-month open enrollment period starting with Medicare Part B coverage. This period allows you to enroll without medical underwriting, ensuring acceptance regardless of health status.
If you miss this open enrollment window, you may still apply, but acceptance could be limited based on your health history. Medical underwriting might be required, and there is a possibility of being denied coverage based on your health status.
Enrolling during the open enrollment period avoids potential complications and ensures continuous coverage. Taking this proactive step can save future hassles and provide peace of mind.
Comparing Plan N with Other Medigap Plans
When comparing Cigna Medicare Supplement Plan N with other Medigap plans like Plan G and Plan F, several differences emerge. Plan G covers the Part B deductible, whereas Plan N does not, leading to differing out-of-pocket costs for beneficiaries.
Plan F offers the most comprehensive coverage, including the Part B deductible, but comes with higher premiums compared to Plan N. In contrast, Plan N’s cost-sharing results in lower premiums but higher out-of-pocket expenses for some services.
Plan N may be more suitable for those who prefer lower monthly premiums and are willing to manage copayments and deductibles. This makes it an excellent choice for budget-conscious individuals not expecting frequent medical visits.
Discounts and Additional Benefits
Cigna Medicare Supplement Plan N offers several discounts and additional benefits to enhance its appeal. New policyholders who enroll online can enjoy a 5% discount on their premiums. Additionally, spousal discounts may be available in certain states, making it more affordable for couples to secure their medicare supplement coverage and a medicare supplement insurance plan, as well as medicare supplement insurance plans, medicare supplement insurance policies, a medicare supplement policy, and medicare supplement policy forms.
These combined benefits significantly enhance the affordability and attractiveness of Plan N.
Geographical Availability of Plan N
Cigna Medicare Supplement Plan N is available in nearly every state, including 48 states and Washington, D.C. However, the availability of specific Cigna Medicare Supplement Plans can vary, and not all plans are offered uniformly across all states.
Plan N is accessible in states such as Alabama, Iowa, Kentucky, Louisiana, Mississippi, Montana, New Mexico, Nevada, Oklahoma, West Virginia, South Carolina, and South Dakota. This broad availability ensures that many beneficiaries across the country can take advantage of the comprehensive coverage offered by Plan N.
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Summary
Cigna Medicare Supplement Plan N stands out for its balance of comprehensive coverage and affordability. From covering additional hospital days to offering competitive premiums and discounts, Plan N is designed to meet the needs of a wide range of beneficiaries. Its availability across many states and the support of health advocates further enhance its appeal.
By understanding the key features, costs, and benefits of Plan N, as well as comparing it with other Medigap plans, you can make an informed decision that best suits your healthcare needs. Choosing the right Medicare Supplement Plan is a crucial step in ensuring peace of mind and financial stability.
Frequently Asked Questions
Who is eligible for Cigna Medicare Supplement Plan N?
To be eligible for Cigna Medicare Supplement Plan N, you must be at least 65 years old (or have a qualifying disability) and enrolled in Medicare Part A and B, or under 65 and eligible for Medicare due to a disability.
What is the cost range for Cigna Medicare Supplement Plan N?
The monthly premiums for Cigna Medicare Supplement Plan N typically range, depending on your state and various other factors. It’s essential to compare options to find the best fit for your needs.
How does Cigna Medicare Supplement Plan N handle hospital stays?
Cigna Medicare Supplement Plan N provides coverage for an additional 365 days in the hospital beyond what Medicare Part A offers. This ensures you have extended support during hospital stays.
Are there any discounts available for Cigna Medicare Supplement Plan N?
Yes, Cigna Medicare Supplement Plan N offers discounts such as a 5% online enrollment discount and possible spousal discounts in select states.
What are the key differences between Plan N and other Medigap plans like Plan G and Plan F?
Plan N offers lower premiums with copayments for certain services, whereas Plan G and Plan F have higher premiums but cover more out-of-pocket costs, providing greater financial protection. Ultimately, your choice should reflect your healthcare needs and budget.
Speak to the Professionals about Medigap Plans and Original Medicare
If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the Cigna Medicare Supplement Plan N in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.
We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, costs and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.