Cigna Healthcare Medicare Plans in New Jersey
Star Rating
4 out of 5
Source: CMS Medicare Star Ratings — verify current-year rating
Enrollment
0.7M+ members
National Rank
#5
Network Types
HMO, PPO
Cigna Healthcare Medicare plan availability in New Jersey varies by county, ZIP code, plan type, and contract year. Residents in areas such as should verify the plans offered at their address before comparing benefits or costs.
Use Medicare Plan Compare and the carrier's current plan documents to confirm provider networks, formularies, premiums, cost sharing, benefits, and CMS Star Ratings for the specific Cigna Healthcare plan you are considering.
Cigna Healthcare in New Jersey: Key Takeaways
- Cigna Healthcare offers Medicare Advantage, Medigap, and Part D options to New Jersey beneficiaries, with plan availability and pricing varying by county and ZIP code.
- Cigna Healthcare's Medicare Advantage plans carry an average CMS Star Rating of about 4 out of 5 — always confirm the current-year rating for the specific plan you are considering.
- Major New Jersey areas served include ; verify your doctors and hospitals are in-network before enrolling, since networks differ by plan.
- A licensed HealthPlan Connect advisor can compare Cigna Healthcare plans against other New Jersey carriers for free. HealthPlan Connect is a private Medicare advisory service, not a government agency.
The Bottom Line
Cigna Healthcare is a solid choice for New Jersey Medicare beneficiaries who want behavioral health with 4-star rated plans. Compare Cigna Healthcare options with other New Jersey carriers to find the best fit for your healthcare needs and budget.
Cigna Healthcare Pros and Cons
Pros
- Excellent behavioral health coverage
- Strong care coordination programs
- Good customer service ratings
- Competitive telehealth benefits
- Express Scripts pharmacy integration
Cons
- Smaller market presence than competitors
- Limited plan options in some areas
- Fewer $0 premium plans available
- Provider networks may be smaller
Cigna Healthcare Plan Types in New Jersey
Cigna Healthcare offers multiple Medicare plan types to New Jersey residents, each designed for different healthcare needs and budgets:
Medicare Advantage (Part C): Cigna Healthcare's New Jersey Medicare Advantage plans combine hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into one plan. Many Cigna Healthcare MA plans in New Jersey have $0 monthly premiums beyond the Part B premium, with benefits including dental, vision, hearing, and fitness programs.
Medicare Supplement (Medigap): Cigna Healthcare offers standardized Medigap plans in New Jersey that work with Original Medicare to cover costs like the Part B coinsurance and deductibles. Popular options include Plan G and Plan N.
Part D Prescription Drug Plans: Cigna Healthcare's standalone Part D plans in New Jersey provide prescription drug coverage for those on Original Medicare. Plans vary in formulary coverage and preferred pharmacy networks.
Cigna Healthcare Provider Networks in New Jersey
Cigna Healthcare's New Jersey Medicare Advantage plans use HMO and PPO networks. Network size and provider participation vary by plan and county.
In New Jersey and surrounding areas, Cigna Healthcare networks typically include major health systems. However, provider participation can change annually, so always verify your doctors are in-network before enrolling.
For beneficiaries in , Cigna Healthcare generally offers good hospital and specialist coverage. Rural areas of New Jersey may have more limited network options, making PPO plans with out-of-network benefits a consideration.
Use Cigna Healthcare's online provider directory at https://www.cigna.com/find-a-doctor to verify network participation for any New Jersey doctor or facility.
Cigna Healthcare New Jersey Plan Costs
Cigna Healthcare Medicare plan costs in New Jersey vary by plan type, county, and coverage level. Here's what to expect:
Medicare Advantage Premiums: Many Cigna Healthcare MA plans in New Jersey offer $0 monthly premiums beyond the Part B premium (often $0). Higher-benefit plans may have premiums of $20-$100+/month.
Out-of-Pocket Maximums: All Cigna Healthcare Medicare Advantage plans include annual out-of-pocket limits, protecting you from catastrophic costs. Limits typically range from $3,000-$8,000 depending on the plan.
Medigap Premiums: Cigna Healthcare Medigap plans in New Jersey average $0-$100/month for Plan G, varying by age, gender, and tobacco use. Rates are typically lower when you enroll during your Medigap Open Enrollment Period.
Cigna Healthcare Star Ratings in New Jersey
Cigna Healthcare's Medicare plans currently hold 4-star ratings (out of 5) from CMS. Star ratings measure quality across categories including:
- Staying healthy (screenings, tests, vaccines) - Managing chronic conditions - Member experience and satisfaction - Member complaints and access to care - Customer service quality
Plans with 4+ stars are considered high-performing and may offer additional benefits. Cigna Healthcare's above-average ratings in New Jersey reflect strong performance across these quality measures.
Cigna Healthcare Key Facts
Frequently Asked Questions
Is Cigna Healthcare a good Medicare plan in New Jersey?
Cigna Healthcare is a reputable Medicare insurers in New Jersey with 4-star ratings. Whether it's the best choice for you depends on your doctors, medications, and coverage preferences. Cigna Healthcare is known for behavioral health and care coordination.
Does Cigna Healthcare Medicare cover my New Jersey doctors?
Cigna Healthcare's New Jersey provider networks include many doctors and hospitals in New Jersey and surrounding areas. However, network participation varies by specific plan. Always verify your doctors are in-network using Cigna Healthcare's provider directory before enrolling.
How much do Cigna Healthcare Medicare plans cost in New Jersey?
Cigna Healthcare Medicare Advantage costs in New Jersey vary by county and plan. Some plans may have a $0 monthly premium beyond the Part B premium, while copays, coinsurance, and annual out-of-pocket limits differ by plan. Cigna Healthcare Medigap premiums vary by plan, age, rating method, location, and other permitted rating factors. Cigna Healthcare Part D premiums, formularies, pharmacy networks, and cost sharing vary by plan.
Can I switch to Cigna Healthcare Medicare in New Jersey?
You can switch to Cigna Healthcare during the Annual Enrollment Period (October 15 - December 7), during a Special Enrollment Period if you qualify, or during the Medicare Advantage Open Enrollment Period (January 1 - March 31) if you're currently in a Medicare Advantage plan.
Does Cigna Healthcare offer $0 premium plans in New Jersey?
Cigna Healthcare may offer $0-premium Medicare Advantage options in some New Jersey counties. Availability changes by county and plan year, and you generally still pay the Part B premium. Compare the current plan's full cost sharing and benefits rather than using premium alone.
Compare Cigna Healthcare Plans in New Jersey
Get a free, personalized comparison of Cigna Healthcare Medicare plans available in your area. Our licensed advisors help you find the right coverage.
Get Free Plan ComparisonPrefer to see your other options? Compare all Cigna Healthcare and other Medicare plans in New Jersey.
Plan availability, benefits, premiums, and costs vary by ZIP code and change annually. This information is for educational purposes only and is not a guarantee of coverage, savings, star ratings, or plan availability. Star ratings are sourced from CMS Medicare Star Ratings; confirm the current-year rating before enrolling. Contact a licensed advisor for current plan options in your area.
HealthPlan Connect is not affiliated with or endorsed by Cigna Healthcare. We do not offer every plan available in your area. We are also not affiliated with or endorsed by the federal Medicare program or any government agency. Any information we provide is limited to the plans we do offer in your area; please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Last reviewed 2026-06-15 by Lynsey Brennan, Licensed Medicare Advisor (FL License #G007269).