Cigna Medicare Supplement Plan G Review in Texas

Cigna Medicare Supplement Plan G offers Texans one of the most comprehensive options for filling the gaps in Original Medicare.

It covers virtually all Medicare-approved out-of-pocket costs - hospital deductibles, coinsurance, skilled nursing care, and more - leaving you responsible only for the Part B deductible ($257 in 2025).

This makes it a strong choice for those who want predictable healthcare costs and nationwide provider access without the limitations of networks or referrals.

While Cigna is a national brand, it offers Plan G in a wide range of Texas ZIP codes, often at competitive rates.

And like all Medigap plans, the coverage is standardized, but prices and rate trends vary by insurer - making Cigna worth a closer look.

Cigna Plan G Benefits

Cigna’s Medicare Supplement Plan G in Texas provides comprehensive coverage that helps eliminate almost all out-of-pocket costs tied to Medicare-approved services.

If you want a plan that handles the financial “what-ifs” of hospital stays, outpatient care, and specialist visits, Plan G delivers dependable support.

Here’s what’s covered under Cigna Plan G:

• Medicare Part A deductible – covers the $1,676 (2025) hospital deductible that Original Medicare doesn’t
  
• Part A and Part B coinsurance and copays – including inpatient stays, outpatient services, and doctor visits
  
• Skilled nursing facility care – includes the daily coinsurance Medicare leaves behind
  
• Part B excess charges – if your doctor charges more than Medicare’s standard rate, Plan G covers the difference
  
• Foreign travel emergency coverage – pays 80% of emergency care costs outside the U.S. (after a $257 deductible, up to a $50,000 lifetime limit)
  

The only medical cost you’ll pay out of pocket is the Part B annual deductible, which is $257 in 2025. Once that’s met, Cigna Plan G pays 100% of your Medicare-approved medical expenses for the rest of the year.

Unlike Medicare Advantage plans, there are no networks, no referrals required, and no prior authorizations. You can see any doctor or specialist who accepts Medicare - in Texas or anywhere in the U.S.

That level of flexibility is especially valuable if you travel regularly, live part-time in another state, or just want the freedom to choose the best providers without restrictions. With Cigna Plan G, your coverage goes wherever you go.

Cigna Plan G Costs in Texas

When comparing Medicare Supplement plans in Texas, Cigna’s Plan G typically lands in the middle-to-lower price range - not always the cheapest, but consistently more affordable than many of the larger national brands.

For Medicare beneficiaries who want full Plan G coverage without paying top-tier premiums, Cigna often strikes a good balance between cost and coverage.

Estimated Monthly Premiums by Age

Here’s a general idea of what Texans can expect to pay for Cigna’s Plan G:

• Age 65–70: Around $140 to $165/month
  
• Age 71–75: Typically $160 to $180/month, depending on ZIP code and underwriting factors
  

While a few carriers may offer lower premiums in specific ZIP codes, many of the bigger names in the Medigap market - especially companies with household name recognition - charge noticeably more for the same standardized Plan G benefits.

This makes Cigna an appealing choice for budget-conscious enrollees who still want comprehensive coverage from a stable, nationally recognized company.

Pricing by Region: Urban vs. Rural

Cigna’s most competitive pricing is usually seen in larger metro areas like Houston, Dallas, Austin, and San Antonio.

In smaller towns or rural counties, prices can creep higher, but Cigna often remains more affordable than premium-priced competitors like Mutual of Omaha or UnitedHealthcare’s plans.

Household Discounts

In many Texas ZIP codes, Cigna offers a household discount, generally around 7%, when two individuals living at the same address each enroll in a Cigna Medicare Supplement policy.

This can bring monthly premiums down even further - especially helpful for couples looking to lower total household costs.

The Bottom Line on Cost

Cigna isn't always the absolute lowest-price option, but it often undercuts major competitors while offering the same standardized benefits.

For many Texans, especially those newly eligible for Medicare, it’s a strong middle-ground choice: not the cheapest on the market, but more affordable than many big-name carriers - and often a better overall value.

Pros and Cons of Cigna Plan G in Texas

Choosing the right Medicare Supplement Plan G isn’t just about the benefits - which are standardized across all insurers - it’s also about how each company performs when it comes to pricing, service, and long-term value.

Here’s a closer look at where Cigna’s Plan G stands out, and where it might fall short for some Texans.

Pros

#1. Comprehensive coverage with low, predictable out-of-pocket costs

Plan G is widely considered the most comprehensive Medicare Supplement plan available to new enrollees, and Cigna’s version offers the same robust protection.

After you pay the annual Medicare Part B deductible ($257 in 2025), your Cigna Plan G will cover 100% of Medicare-approved costs - whether it’s a routine doctor visit, outpatient procedure, hospital stay, or specialist care.

This makes budgeting for healthcare much easier, especially for those with chronic conditions or frequent doctor visits.

#2. Competitive pricing in certain ZIP codes

While not always the cheapest option, Cigna often offers lower monthly premiums than many major Medigap carriers, particularly in urban and suburban ZIP codes.

In places like Houston, Dallas, and San Antonio, Cigna's Plan G can be a strong value for those who want full coverage without paying top-tier premiums.

For many clients, the cost difference compared to top-shelf carriers like UnitedHealthcare or Mutual of Omaha is enough to make Cigna worth serious consideration.

#3. Easy online application and fast approval

Cigna has streamlined its enrollment process, offering a fast and user-friendly online application.

Many applicants can be approved quickly - sometimes instantly - without needing to wait days for underwriting decisions.

This is especially helpful for tech-savvy retirees or agents assisting clients who are nearing their Medicare start date.

#4. Nationwide coverage with a strong, stable insurer

As a nationally recognized insurance brand, Cigna brings name recognition, financial stability, and broad geographic availability.

Cigna Plan G allows beneficiaries to see any doctor or hospital that accepts Medicare anywhere in the United States, with no networks or referrals required.

This level of access is especially valuable for Texans who travel often or split their time between states.

Cons

#1. Rate increases may be higher

While Cigna’s starting premiums are often attractive, its rate increase history can vary by region and age band.

Some policyholders have seen steeper annual increases compared to companies like Blue Cross of Texas , which is known for more predictable, gradual adjustments.

This means Cigna might be a great deal at age 65 - but over time, rate trends should be monitored carefully.

#2. Limited Texas-specific customer service (national support model)

Unlike Blue Cross, which maintains a strong local presence and often works closely with regional providers, Cigna handles customer service through national call centers.

While support is generally responsive and professional, some clients prefer a more localized, personalized experience - especially when dealing with claims or policy questions.

#3. Doesn’t include dental, vision, or added perks

Cigna’s Medigap plans are no-frills by design. That means you’re paying for solid medical coverage - nothing more, nothing less.

There are no bundled extras like dental, vision, gym memberships, or wellness discounts that some competitors include with their plans.

For some beneficiaries, that’s a plus (less fluff, more coverage), but others may miss having those added benefits included.

How Cigna Plan G Compares to Blue Cross Blue Shield in Texas

Both Cigna and Blue Cross Blue Shield of Texas offer standardized Medicare Supplement Plan G, meaning the core medical benefits are identical.

However, the experience, pricing, rate trends, and support structure can vary significantly between the two carriers.

Here's a comparison to help you understand where each company stands out - and where it may fall short.

Premiums

Cigna tends to offer lower starting premiums in many of Texas’s larger metro areas, especially for new enrollees in the 65–70 age range.

If you’re entering Medicare and live in a city like Dallas, Austin, Houston, or San Antonio, Cigna may be one of the more competitively priced options available to you.

On the other hand, Blue Cross Blue Shield of Texas is often more competitive in rural counties and underserved regions, where local familiarity and provider contracts help drive enrollment.

Blue Cross Blue Shield of Texas’s broad presence can also contribute to stronger regional pricing in certain parts of the state.

Verdict: Cigna often wins on upfront cost in urban ZIP codes, while Blue Cross Blue Shield of Texas may offer better value in smaller markets.

Rate Stability

One of Blue Cross's biggest advantages is its reputation for predictable, gradual premium increases.

Many long-term policyholders appreciate the stability, especially those planning for fixed healthcare budgets in retirement. Rate adjustments tend to be modest and apply evenly across age bands.

Cigna, while strong on starting premiums, has a less predictable track record with annual increases.

Rates may shift more depending on your age and region, and over time, what began as a cheaper option could become less competitive.

Verdict: Blue Cross is the safer long-term bet for those prioritizing consistent, manageable rate increases.

Customer Experience

Blue Cross has a strong footprint in Texas and is widely accepted by hospitals, clinics, and provider networks across the state.

It also offers dedicated local support, which many Medicare beneficiaries find reassuring - especially when dealing with claims, billing questions, or policy renewals.

Cigna, by contrast, operates through centralized national service centers. While customer service is generally reliable and professional, it lacks the same local presence and may feel more “corporate” in nature.

Verdict: Blue Cross provides a more personalized, Texas-focused experience, while Cigna offers a more standardized national approach.

Added Benefits

Blue Cross sometimes includes extra perks with its Medicare Supplement plans, such as:

• Discount programs for dental and vision
  
• Wellness and fitness membership access (e.g. SilverSneakers or similar)
  
• Provider coordination tools that help members manage care
  

Cigna’s Plan G is intentionally stripped down - you pay for the core Medicare coverage, nothing more. There are no bundled extras, which keeps pricing transparent but may feel limited for those who want added value.

Verdict:  Blue Cross offers more extras. Cigna focuses on keeping things simple and straightforward.

What We Recommend

Both Cigna and Texas Blue offer solid, standardized Medicare Supplement Plan G coverage - meaning the medical benefits are identical no matter which company you choose.

Because these plans are standardized, the key differences come down to company reliability, premium cost, rate stability, and service quality.

In many cases, the best choice for a Medicare Supplement plan is the most reliable carrier offering the lowest premium for your situation. Reliability ensures that claims are paid promptly and service is consistent, while a lower premium saves you money every month without sacrificing coverage.

Choose Cigna if you want lower upfront costs, live in a metro area where they’re competitively priced, and prefer a straightforward, no-frills approach.

Choose Texas Blue if you prioritize long-term rate stability, a strong local support network, and the added reassurance of working with a brand deeply rooted in Texas healthcare.

Bottom Line: Is Cigna Plan G a Good Choice in Texas?

If you want comprehensive Medicare Supplement coverage with straightforward benefits and competitive pricing, Cigna Plan G is worth strong consideration.

It provides all the protection Plan G is known for - covering nearly every Medicare cost except the Part B deductible - paired with the convenience of a fast, streamlined enrollment process and the backing of a well-established national insurer.

Cigna’s Plan G works well for Texans who value predictable out-of-pocket costs, the freedom to choose any Medicare provider nationwide, and a no-frills approach that focuses on the core benefits of a Medigap plan.

In many ZIP codes, its rates are lower than other big-name carriers, making it a smart choice for budget-conscious beneficiaries who still want top-tier coverage.

While every Medicare Supplement Plan G offers the same standardized medical benefits, Cigna’s strength lies in competitive pricing in certain areas, ease of enrollment, and reliable claims service.

For many clients, those qualities make it a practical and cost-effective option to protect their health and finances in retirement.

Our guidance: If Cigna Plan G is competitively priced in your ZIP code and aligns with your budget and healthcare priorities, it can be an excellent choice for long-term peace of mind.