Medicare Supplement Plan G Insurance Coverage

Ideal for customers looking for extensive coverage, and competitive premiums.

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Save up to 25%: 20% in premiums, plus 5% if you apply online. Learn More

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Online Enrollment Discount

State variations apply. Discount not available in CT, DC, FL, ID, MA, MN, NJ, NY, OH, OR, VA. To qualify for the online discount, you must be a new Medicare Supplement policy holder with Cigna Healthcare*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at Cigna.com to qualify for the discount. If you do not complete the entire application online, and/or call to have an agent submit your application by phone, you will not qualify to receive the online discount. If your spouse is added at the time of application, they are also eligible to receive the online discount per the same terms. Discount qualification determined by Cigna Healthcare. If you qualify, the 5% discount will remain in effect for the life of the policy. For residents of North Dakota, by applying online you save approximately 5%.

Premium Discount

State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.

*Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company.

Plan G Product Details

Provides almost the same level of coverage as Plan F (which offers extensive coverage with the lowest out-of-pocket expenses of all plans for Medicare-covered services).
You will pay the Medicare Part B annual deductible before Plan G will kick in to start paying Part B costs.
Plan G may be a good fit for you if you want a lower premium, and are able to pay the Part B deductible if needed.

For all the details of Plan G coverage, review the policy coverage details below, or explore other Medicare Supplement plans.

Save with Cigna Healthcare 1

You could save up to 25% with Cigna Healthcare SM , including a premium discount of up to 20%, plus an additional 5% if you apply online. Learn more

Medicare (Part A) Hospital Services–What Plan G Pays (Per Benefit Period 2 )

Expand each category below to view more details.

Hospitalization 2

Semi-private room and board, general nursing, and miscellaneous services and supplies.

Medicare Pays Plan G Pays First 60 days All but $1,632 $1,632 (Part A deductible) 61st through 90th day All but $408 per day $408 per day 91st day and after:

while using 60 lifetime reserve days

All but $816 per day

$816 per day

once lifetime reserve days are used, additional 365 days

100% of Medicare eligible expenses

beyond the additional 365 days

All costs

Skilled Nursing Facility Care 2

Must have been in a hospital for at least 3 days and have entered a Medicare-approved facility within 30 days after discharge from the hospital.

Medicare Pays Plan G Pays First 20 days All approved amounts 21st through 100th day All but $204 per day Up to $204 per day 101st day and after

Hospice

Pain relief, symptom management, and support services for the terminally ill. You must meet Medicare’s requirements, including a doctor’s certification of terminal illness.

Medicare Pays Plan G Pays Hospice services All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/coinsurance

Blood

Medicare Pays Plan G Pays First 3 pints (Per calendar year) Additional amounts

Medicare (Part B) Medical Services–What Plan G Pays (Per Calendar Year)

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Medical Expenses

Includes expenses in or out of the hospital and outpatient hospital treatment, such as physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.

Medicare Pays Plan G Pays First $240 of Medicare-approved amounts 4 $240 (Part B deductible) Remainder of Medicare-approved amounts Generally 80% Generally 20%

Part B Excess Charges

A doctor may charge an amount for services that exceeds what Medicare covers. This is called an “excess charge.” Medicare puts a 15 % limit on the extra amount a doctor can charge.

Medicare Pays Plan G Pays Excess charges

Blood

Medicare Pays Plan G Pays First 3 pints Next $240 of Medicare-approved amounts 4 $240 (Part B deductible) Remainder of Medicare-approved amounts

Clinical Laboratory Services

Medicare Pays Plan G Pays Tests for diagnostic services

Medicare (Parts A and B)–What Plan G Pays

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Home Health Care Medicare-Approved Services

Medicare Pays Plan G Pays Medically necessary skilled care services and medical supplies

Durable Medical Equipment

Medicare Pays Plan G Pays First $240 of Medicare-approved amounts 4 $240 (Part B deductible) Remainder of Medicare-approved amounts

Other Benefits–What Plan G Pays

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Foreign Travel

Medically necessary emergency care services beginning during the first 60 days of each trip outside the US.

Medicare Pays Plan G Pays First $250 each calendar year Remainder of charges 80% to a lifetime maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum

Rates for Medicare Supplement Plan G

While the core benefits of Medicare Supplement Plan G remain the same regardless of your insurance company (as mandated by the government), in some states the premium you pay may vary according to a number of factors, including age, location, gender, and overall health.

Cigna Healthcare offers competitive rates and, in some states, premium discounts 5 of up to 25% may be available for qualified applicants.

Programs and Services 6

Healthy Rewards ® Program
Get discounts on health and wellness programs and services.

Health Information Line
Speak with a health advocate 7 anytime 24 hours a day, 7 days a week.

Explore Other Medicare Supplement Plans

Medicare Supplement High Deductible Plan G

Same coverage as Plan G, but you pay the calendar year deductible.

Medicare Supplement Plan N

Lower monthly premium, and predictable out-of-pocket costs.

Medicare Supplement Plan A

A little extra cost protection, beyond what Original Medicare covers.

Medicare Supplement Plan F

Extensive coverage and lower out-of-pocket costs. 8

Medicare Supplement High Deductible Plan F

Same coverage as Plan F, but you pay the calendar year deductible. 8

Often bought together

Questions about Eligibility and Enrollment?

Retiring at 65? Not retiring until later? Find out how and when you can enroll, how to switch plans, and when is the ideal time to enroll in a Medicare Supplement policy.

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Dental Plans

Other Supplemental Plans

1 Insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance Company. In Kansas, insured by Cigna Health and Life Insurance Company, Cigna Insurance Company, Cigna National Health Insurance Company and Loyal American Life Insurance Company. American Retirement Life Insurance Company is not available to residents of Kansas and Kentucky. In Illinois, Maryland, North Carolina, Ohio, and Utah, insured by Cigna National Health Insurance Company domiciled in Ohio. In Pennsylvania, insured by Cigna Insurance Company. In Idaho and New Mexico, insured by Cigna Health and Life Insurance Company.

2 A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

3 Notice: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time, the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.

4 Once you have been billed $240 of Medicare-approved amounts for covered services, your Part B deductible will have been met for the calendar year.

5 State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.

6 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.

7 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.

8 Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.

Notice for persons eligible for Medicare because of disability:

In the following states, all Medicare Supplement plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Vermont, and Wisconsin.

Tennessee Medicare Supplement Policy Forms

Plan A: CIC-MS-AA-A-TN; Plan F: CIC-MS-AA-F-TN; Plan G: CIC-MS-AA-G-TN; Plan HDG: CIC-MS-AA-HDG-TN; Plan N: CIC-MS-AA-N-TN.