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 is a major Medicare insurance providers in Tennessee, offering Medicare Advantage, Medicare Advantage with prescription drug coverage, Part D prescription drug plans to beneficiaries across the state. With 4-star ratings and coverage in Nashville, Franklin, Brentwood and surrounding areas, Cigna Healthcare serves Tennessee's 1.4+ million Medicare-eligible residents.
Tennessee has 52% of Medicare beneficiaries enrolled in Medicare Advantage plans, above the national average. Cigna Healthcare's Tennessee plans typically include behavioral health and care coordination, making them a strong choice for beneficiaries in the TN market.
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, 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 Nashville, Franklin, Brentwood, Murfreesboro, Cigna Healthcare generally offers good hospital and specialist coverage. Rural areas of Tennessee 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 Tennessee doctor or facility.
Cigna Healthcare Tennessee Plan Costs
Cigna Healthcare Medicare plan costs in Tennessee vary by plan type, county, and coverage level. Here's what to expect:
Medicare Advantage Premiums: Many Cigna Healthcare MA plans in Tennessee 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 Tennessee average $140-$240/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 Tennessee
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 Tennessee reflect strong performance across these quality measures.
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?
Many Cigna Healthcare Medicare Advantage plans in Tennessee have $0 monthly premiums beyond the Part B premium. Costs vary by plan type, benefits, and your county. Cigna Healthcare Medigap plans typically cost $140-$240/month for Plan G.
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?
Yes, Cigna Healthcare offers several $0 premium Medicare Advantage plans in many Tennessee counties. These plans still require you to pay your Part B premium. $0 premium plans may have different benefit levels and cost-sharing than plans with monthly premiums.
Compare Cigna Healthcare Plans in Tennessee
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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.