Cigna Medicare Supplement Review: Plan Options, Pricing & Pros and Cons

Cigna Medicare Supplement in 2026: What Changed

If you shopped for Medigap in the past, you may know Cigna as a top-five national carrier. In 2026 the brand on the policy has changed, but the coverage has not. HCSC acquired Cigna's Medicare businesses on March 19, 2025, and the Medicare Supplement line now sells under the HealthSpring name. The formal brand transition date was January 1, 2026, and new ID cards, member materials, and the broker portal all carry the HealthSpring logo for 2026 effective dates. Cigna-branded Medicare products were sold only through the end of 2025, and by late 2026 the state-by-state Med Supp rebrand has broadly wrapped as the remaining regulatory approvals cleared.

The Medigap business is underwritten by several Cigna affiliates depending on your state, most commonly:

• Cigna Health and Life Insurance Company (CHLIC)
• Loyal American Life Insurance Company
• American Retirement Life Insurance Company
• Cigna National Health Insurance Company (in some states, including NJ and CT)

The specific issuing company is printed on your Outline of Coverage and ID card. The rebrand is a name and ownership change only. Benefits, networks, providers, and your existing contract are not affected, and the change does not trigger a Special Enrollment Period.

Plan Letters HealthSpring (Formerly Cigna) Offers

HealthSpring sells a focused, not exhaustive, Medigap menu. Across the country in 2026, the typical lineup includes Plan A, Plan B, Plan D, Plan G, High-Deductible Plan G, and Plan N, plus Plan F and High-Deductible Plan F for people who were first eligible for Medicare before January 1, 2020. In most states where the carrier operates, only about four to six of the ten standard Medigap letters are actually sold, so the exact mix varies by state and ZIP code. The only reliable way to confirm availability is to run a quote for your address.

For most new enrollees, the two plans that matter are Plan G and Plan N. Plan G is the most comprehensive option still open to people who turned 65 after 2020, while Plan N trades a lower premium for modest office and ER copays. To go deeper on each option, our guides to Medicare Supplement Plan G and Plan N coverage and costs walk through every benefit line by line.

For budget-focused shoppers, High-Deductible Plan G is one of the cheapest Medigap options on the market, often running $40 to $85 per month before discounts. Just remember you will pay the $2,950 annual deductible (set by CMS for 2026, up $80 from $2,870 in 2025) before benefits kick in. The $283 Part B deductible counts toward that $2,950.

HealthSpring Medicare Supplement Cost in 2026

HealthSpring's 2026 pricing strategy remains "competitive in many markets, sometimes the low-cost leader," though 2025-2026 filings show the carrier is no longer as consistently cheap as it once was. MoneyGeek's 2026 review puts HealthSpring Plan G at about $162 per month at age 65, roughly $11 above the national Plan G average. NerdWallet's 2026 city spot checks (65-year-old non-smoking female) show HealthSpring Plan G at $209 in Los Angeles, $159 in Atlanta, and $138 in Dallas, running about 8% higher than the cheapest available Plan G on average across the markets it tracks. A Connecticut rate filing effective in 2026 shows HealthSpring Plan G at $194.39 per month and Plan A at $559.09 for the top rate band.

State-by-state, HealthSpring Plan G runs from about $139 in Indiana to $278 in Idaho, with most states clustered in the mid-$140s to mid-$180s. Sample state averages include Alabama ($149), Arizona ($148), California ($175), Colorado ($150), Florida ($235), Georgia ($161), Illinois ($154), Missouri ($188), and New Jersey ($158).

Premiums vary based on ZIP code, age, gender, tobacco use, and rating method. MoneyGeek's 2026 review notes HealthSpring uses attained-age pricing in most states, with community pricing in 11 states and issue-age pricing in Florida, Missouri, and New Hampshire. To put these numbers in context against the whole market, see our breakdown of Medicare Supplement costs in 2026, where the all-carrier Plan G average at age 65 sits around $150 to $166 per month depending on the survey source.

Household and Online Discounts

This is where HealthSpring often wins. Two stackable discounts can meaningfully drop your premium:

• Premium (household) discount: HealthSpring's official Medigap materials advertise a premium discount of up to 20% for eligible households. In practice, agent underwriting guides confirm a common structure: a base discount for living with another adult age 18+, plus a bigger step-up if that other adult also enrolls in HealthSpring Medigap. NerdWallet's 2026 review found HealthSpring's household discount averaged about 15% across the markets tracked, the highest average of any Medigap carrier it analyzed. The discount is not available in Hawaii, Idaho, Minnesota, or Vermont, and in Washington it is spouse-only.
• Online application discount: An extra 5% for completing your enrollment entirely online at HealthSpring.com. Not available in CT, DC, FL, MA, NJ, NY, OH, OR, or VT. If an agent submits your application by phone, you typically lose this discount. Once granted, the 5% stays with the policy.

Stacked, HealthSpring advertises up to 25% off in eligible states (20% household plus 5% online). MoneyGeek illustrates that a $162 Plan G premium can drop to about $143 after the full discount stack, saving roughly $19 per month, or over $2,000 across a decade. Learn more about how these programs work in our guide to the Medigap household discount.

Financial Strength and Rate Stability

HealthSpring's main Medigap underwriter, Cigna Health and Life Insurance Company, holds an AM Best Financial Strength Rating of A (Excellent) with a Stable outlook, most recently affirmed in AM Best's March 4, 2026 review of The Cigna Group and its key U.S. life/health subsidiaries. The Long-Term Issuer Credit Rating for those entities is a+ (Excellent). With HCSC, one of the largest customer-owned health insurers in the country, now backing the acquired Medigap block, the financial picture is at least as strong heading into the second half of 2026.

Rate increase history is filed state by state, so there is no single national number. Industry-wide, early 2026 Plan G filings from the six largest carriers ranged from just over 12% to more than 26% according to Telos Actuarial, with the Q3 2026 industry average landing near 16.8%. HealthSpring's trajectory has changed sharply. After averaging roughly 6% annual increases for several years (one of the smallest among major carriers per NerdWallet), the carrier posted a 12% increase in 2025 followed by a 19% increase effective February 2026 in at least one major market. Broker-tracked filings show HealthSpring rate actions varying wildly across states, from 0% in some markets to over 40% in others, and one Wyoming filing reportedly reaching the low 50s. Independent analysis also flags that HealthSpring received a 20% increase last year and is currently requesting another 30% in at least one filing. Arizona Plan N holders reported 16% to 17% increases effective January 1, 2026. HealthSpring's long-run rate discipline reputation is being tested. Compare rate histories in our best Medigap companies for 2026 ranking before committing.

HealthSpring vs. Mutual of Omaha vs. AARP/UnitedHealthcare

For shoppers, the three carriers most often considered alongside HealthSpring are Mutual of Omaha and AARP/UnitedHealthcare. None of them is universally cheapest, but each has a distinct profile.

HealthSpring tends to be the low-price leader when household and online discounts apply, particularly for couples enrolling together. Mutual of Omaha competes hard on Plan G pricing in specific states and carries a slightly higher AM Best rating (A+ Superior reaffirmed April 2, 2026), plus a materially lower NAIC complaint index. AARP/UnitedHealthcare offers brand familiarity and broad availability, but its August 2025 AM Best downgrade to A and its 2026 rate hikes (up to 25.7% in New Jersey effective August 2026, +17.8% in New York, +15.1% in Texas, June 1 Plan F increases of $10.64 to $47.02 per month, and member reports of 18% or more on Plan G) hurt its long-run cost position, and the AARP membership fee adds $15 to $20 per year. For a full ranking, see our list of the best Medicare Supplement companies for 2026.

The right pick depends on your ZIP code, age, and whether you will qualify for stacked discounts. Always pull same-day quotes from all three using identical inputs. Our Medigap shopper's guide walks through exactly how to do that.

Common Complaints and Customer Experience

HealthSpring's Medigap product earns mixed reviews, and it is important to be honest about that. Independent NAIC-based analyses report that Cigna/HealthSpring Medicare Supplement generates roughly 20% to 50% more complaints than the Medigap industry average, which implies a complaint index in the 1.2 to 1.5 range (with 1.0 being average). Specific complaints documented in 2025-2026 forum posts and reviews include:

• Delayed or missing ID cards and welcome packets after enrollment
• Medicare-to-Medigap automatic crossover not getting set up for months, forcing manual paper claims
• Inconsistent answers from different customer service reps on the same issue
• Provider office confusion about the new HealthSpring name, including offices incorrectly saying they "don't take HealthSpring" for a Medigap policy (Medigap has no network, so any provider who accepts Medicare must accept HealthSpring)
• Communication gaps around the Cigna-to-HealthSpring/HCSC transition

That said, the Medigap product itself pays claims reliably because Medigap benefits are federally standardized. A Plan G is a Plan G regardless of the brand on the card, as our Medigap plans comparison chart makes clear. Benefit spending is normal even though complaint volume is elevated.

HealthSpring Medigap Underwriting

Outside your six-month Medigap Open Enrollment Period or a guaranteed-issue situation, HealthSpring uses medical underwriting to decide whether to approve your application. Expect health questions on the application covering:

• Recent hospitalizations and surgeries
• Cancer history (often a 2 to 5 year look-back)
• Heart disease, stroke, COPD, kidney disease
• Diabetes status and complications
• Current prescriptions and height/weight (build chart)

HealthSpring's underwriting is considered moderately flexible on stable cases, falling between the predictable Mutual of Omaha process and stricter carriers. If you are shopping outside Open Enrollment, our state-by-state Medigap rules guide covers birthday-rule and guaranteed-issue protections that let you skip underwriting entirely.

Who HealthSpring Medicare Supplement Is Best For

HealthSpring (formerly Cigna) Medigap is a strong fit if you:

• Are price-sensitive and want a competitive Plan G or Plan N premium
• Are enrolling as a couple and can claim the household discount (up to 20% for spouses in some states)
• Are comfortable applying online to capture the 5% extra discount
• Want a financially strong national carrier backed by HCSC
• Are okay handling routine service through an independent broker rather than relying solely on the call center

It may be less ideal if you prioritize white-glove customer service, want a carrier with consistently top-tier complaint scores, or need multi-year rate stability after the 2025-2026 increases. In those cases, comparing carriers with our Medigap vs Medicare Advantage guide or our best Medigap plans of 2026 overview can help you weigh trade-offs.

How to Get a HealthSpring Medigap Quote in 2026

Getting an accurate HealthSpring Medicare Supplement quote takes about 10 minutes if you have your information ready.

1. Gather your details: ZIP code, date of birth, gender, tobacco status, and your Medicare Part A and Part B effective dates.
2. Run quotes for all three top carriers (HealthSpring, Mutual of Omaha, and AARP/UHC) using identical inputs.
3. Confirm both discounts (household and online) are applied to your HealthSpring quote.
4. Check your state's birthday rule or guaranteed-issue protections if you are switching from another plan. Rules vary by state.
5. Submit your application online at HealthSpring.com to lock in the 5% discount, or work with an independent broker who can support the process. If an agent submits the application by phone, you may lose the 5% online discount.

Coverage typically begins the first of the month after approval, assuming no underwriting holds.

Frequently Asked Questions

Is HealthSpring Medicare Supplement a good company in 2026?

HealthSpring (formerly Cigna) is generally a good Medigap company for price-sensitive shoppers, especially couples who can stack the household and online discounts. It carries an AM Best A (Excellent) rating affirmed March 4, 2026 and is backed by HCSC, one of the largest customer-owned health insurers in the U.S. The main drawbacks are a NAIC complaint rate roughly 20% to 50% above the Medigap industry average and the recent shift from moderate ~6% annual rate hikes to a 12% (2025) then 19% (February 2026) pattern, with a further +30% filing pending in at least one market.

What plan letters does HealthSpring offer for Medicare Supplement?

HealthSpring's 2026 Medigap menu most commonly includes Plans A, B, D, G, High-Deductible Plan G, and Plan N for new enrollees. Plan F and High-Deductible Plan F remain available only to people who were first eligible for Medicare before January 1, 2020. Plans are sold in 48 states and DC, but exact availability varies by state, so verify by ZIP code before applying.

How much does HealthSpring Plan G cost in 2026?

MoneyGeek puts HealthSpring Plan G at about $162 per month at age 65, roughly $11 above the national average, with state-level averages ranging from about $139 in Indiana to $278 in Idaho. NerdWallet's 2026 city spot checks show $138 in Dallas, $159 in Atlanta, and $209 in Los Angeles for a 65-year-old female non-smoker, and a Connecticut 2026 filing shows Plan G at $194.39 per month. Household and online discounts can reduce the base rate by up to 25% in eligible states.

How does HealthSpring compare to Mutual of Omaha for Medigap?

HealthSpring and Mutual of Omaha are both top-tier Medigap carriers with overlapping price ranges. Mutual of Omaha carries a slightly higher AM Best rating (A+ Superior reaffirmed April 2, 2026 versus HealthSpring's A Excellent affirmed March 4, 2026) and receives dramatically fewer complaints than expected for a company of its size, while HealthSpring's complaint rate runs 20% to 50% above average. HealthSpring often wins on price when household and online discounts are stacked, especially for couples enrolling together.

Did Cigna sell its Medicare Supplement business?

Yes. HCSC completed the acquisition of Cigna's Medicare businesses (including Medicare Advantage, Medicare Supplement, Part D, and CareAllies) on March 19, 2025. The Medigap line now sells under the HealthSpring brand with a formal transition date of January 1, 2026, and the state-by-state Med Supp rebrand rollout has broadly wrapped by late 2026. Coverage, benefits, networks, and policy terms for existing members are unchanged, and the rebrand does not trigger a Special Enrollment Period.