Cigna Healthcare Medicare Plans in Tennessee
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 Tennessee varies by county, ZIP code, plan type, and contract year. Residents in areas such as Nashville, Franklin, Brentwood 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 Tennessee: Key Takeaways
- Cigna Healthcare offers Medicare Advantage, Medigap, and Part D options to Tennessee 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 Tennessee areas served include Nashville, Franklin, Brentwood; 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 Tennessee 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 Tennessee Medicare beneficiaries who want behavioral health with 4-star rated plans. Compare Cigna Healthcare options with other Tennessee 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 Tennessee
Cigna Healthcare offers multiple Medicare plan types to Tennessee residents, each designed for different healthcare needs and budgets:
Medicare Advantage (Part C): Cigna Healthcare's Tennessee 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 Tennessee 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 Tennessee 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 Tennessee provide prescription drug coverage for those on Original Medicare. Plans vary in formulary coverage and preferred pharmacy networks.
Cigna Healthcare Provider Networks in Tennessee
Cigna Healthcare's Tennessee Medicare Advantage plans use HMO and PPO networks. Network size and provider participation vary by plan and county.
In Nashville and surrounding Davidson County, provider participation is plan-specific and can change by contract year. Verify every doctor, hospital, and facility in the current plan directory before enrolling.
For beneficiaries in Nashville, Franklin, Brentwood, Murfreesboro, compare the exact network offered at your address. Rural areas of Tennessee may have fewer participating providers, so network breadth and any out-of-network benefits should be verified for the specific plan.
Use Cigna Healthcare's online provider directory at https://www.cigna.com/find-a-doctor to verify network participation for any Tennessee doctor or facility.
Cigna Healthcare Tennessee Plan Costs
Cigna Healthcare Medicare plan costs in Tennessee vary by plan type, county, ZIP code, and contract year. Verify the current plan documents or quote for the exact option you are considering.
Medicare Advantage Premiums: Some Medicare Advantage plans may have a $0 plan premium, but members still pay the Part B premium and applicable cost sharing. Verify the current premium for the exact Cigna Healthcare plan available at your address.
Out-of-Pocket Maximums: Medicare Advantage plans include an annual medical out-of-pocket limit. The amount is plan-specific and can change by contract year; verify the current Evidence of Coverage.
Medigap Premiums: Medigap premiums vary by insurer, location, plan letter, rating method, age or eligibility factors where permitted, tobacco status, discounts, and state rules. Compare current Tennessee quotes rather than relying on a statewide average.
Cigna Healthcare Star Ratings in Tennessee
CMS Star Ratings are contract-specific and updated regularly. Verify the current CMS Star Rating for the exact Cigna Healthcare plan and contract you are considering in Tennessee. 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
Do not infer the quality of a specific plan from a carrier-wide rating. Compare the current rating, network, formulary, benefits, and costs for the exact plan available at your address.
Cigna Healthcare Key Facts
Frequently Asked Questions
Is Cigna Healthcare a good Medicare plan in Tennessee?
Cigna Healthcare is a reputable Medicare insurers in Tennessee 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 Nashville doctors?
Cigna Healthcare's Tennessee provider networks include many doctors and hospitals in Nashville 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 Tennessee?
Cigna Healthcare Medicare Advantage costs in Tennessee 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 Tennessee?
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 Tennessee?
Cigna Healthcare may offer $0-premium Medicare Advantage options in some Tennessee 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.
Related Medicare Resources
Carrier pages are a starting point, not a plan recommendation. Verify the plans offered at your ZIP code, then compare provider networks, prescriptions, total costs, benefits, and current CMS Star Ratings.
Compare Cigna Healthcare Plans in Tennessee
Get a free, personalized comparison of Cigna Healthcare Medicare plans available in your area. Our licensed advisors help you find the right coverage.
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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).