Cigna vs. Aetna Medigap Plans in Texas

When you’re shopping for Medicare Supplement coverage in Texas, two names rise to the top again and again: Cigna and Aetna.

Both are nationally recognized carriers with long track records of serving Medicare beneficiaries, and both offer the most popular Medigap plans available today - Plan G and Plan N.

Even though the benefits for each plan letter are standardized by Medicare (meaning Plan G is exactly the same no matter which company you choose), the experience you get with each carrier can feel very different.

That’s where Cigna and Aetna tend to separate themselves.

Here’s the big-picture view:

• Cigna is known for its competitive pricing, strong household discounts, and overall budget-friendly approach. If keeping your monthly premiums low is your main priority, Cigna is often one of the first companies worth looking at in Texas.
  
• Aetna takes a different angle. They’re known for solid customer service and a steady, low stress Medigap experience. Aetna tends to appeal to people who want something simple, straightforward, and benefits that don't change overtime.
  

This guide breaks down how both carriers stack up - their pricing, discount programs, digital tools, service style, and what we see people choosing every day across the state.

The goal is simple: help you find the Medicare Supplement plan that gives you the best combination of cost, coverage, and confidence for your Texas ZIP code.

Cigna vs. Aetna: How They Really Differ 

Alright, so here’s the truth: when you put Cigna and Aetna side by side, the plans themselves are identical - because Medicare Supplement benefits are standardized.

A Plan G from Cigna works exactly the same as a Plan G from Aetna.

Same coverage. Same doctors. Same nationwide access.

So if the plans are the same, what actually makes someone choose one company over the other? Let me walk you through it exactly the way I would if you called into Policy Guide and asked.

#1. The Plans They Offer (and the One Big Difference)

Cigna and Aetna offer the core Medigap plans that most people shop for:

• Plan G
  
• Plan N
  
• High-Deductible Plan G (except Aetna doesn’t offer this one in Texas)
  

So right away, here’s the first separation: Cigna offers HDG in Texas and Aetna does not.

If you’re healthy and want the lowest monthly premium possible, Cigna is the only one between the two that even gives you that option.

But for Plan G or Plan N? You can choose either company, and the benefits will be identical.

#2. Pricing Differences (Usually the Deciding Factor)

Now, this is where the real choice happens - the monthly premium.

In a lot of Texas ZIP codes, Cigna comes in lower, especially on Plan G and Plan N. Aetna sits more in the “steady and middle-of-the-road” zone - not crazy high, but not always the cheapest.

And honestly? When the benefits are identical, most people pick the one that saves them money.

It’s really that simple.

#3. Discounts (Cigna Usually Has the Edge Here)

If you live with another Medicare-eligible adult, discounts matter.

Cigna often offers one of the stronger household discounts in the state (sometimes up to 12%). Aetna also offers a household discount, but it’s usually smaller.

Over a year or two, that difference can add up.

#4. Digital Experience and Day-to-Day Ease

Both carriers make life pretty easy, but the feel is a little different:

• Cigna: More modern, fast claims, clean online experience.
  
• Aetna: Straightforward and dependable - simple, no-frills Medigap service.

Neither one is confusing, it just depends on what style appeals to you more.

Bottom Line

If you and I were finishing this conversation on the phone, here’s exactly what I’d say:

“Both Cigna and Aetna offer excellent coverage - the benefits are the same. But if you want the lowest premium and the option for High-Deductible G, Cigna usually wins.

If you prefer a steady, predictable experience with a long-trusted brand, Aetna is rock-solid.”

That’s really what it comes down to - you’re picking the company, not the benefits, because the benefits don’t change.

Feature Breakdown: Plan G vs. Plan N

When you’re comparing Medigap plans in Texas, the two options most people look at are Plan G and Plan N.

They’re similar in many ways, but the differences come down to how much you want to pay each month - and how much cost-sharing you’re comfortable with.

Plan G: The Full-Protection Option

Plan G is the most comprehensive Medigap plan available for new Medicare enrollees. It covers every out-of-pocket cost that Medicare leaves behind except for the small Part B deductible.

Once you pay that deductible, you’re essentially done - no copays, no coinsurance, no excess charges. It’s simple and predictable, which is exactly why it’s the #1 choice across Texas.

Plan N: The Lower-Premium Alternative

Plan N is perfect for individiuals who want to bring their monthly premium down without giving up great coverage.

You still get protection for big-ticket medical expenses, but you agree to a few small cost-sharing items:

• Up to a $20 copay for office visits
  
• Up to a $50 copay for ER visits
  
• No coverage for Part B excess charges (which most Texas doctors don’t bill anyway)
  

For healthy retirees or people who rarely go to the doctor, Plan N can be a smart way to save money every month.

What Texans Usually Choose (Nationwide Enrollment Trends)

Even though every person has different health needs, what they choose in Medigap coverage lines up almost exactly with what we see across the entire country.

National enrollment patterns give us a clear picture of what retirees value most - simplicity, predictability, and freedom of choice.

Plan G: The Nation’s #1 Medigap Plan

National studies show that Plan G is the dominant Medigap plan, with roughly 39% of all Medigap enrollees choosing it.

That’s not surprising - Plan G is the easiest plan to live with. You pay the small Part B deductible each year, and nearly every other Medicare-approved cost is covered.

For retirees who want “no surprises,” it’s the obvious winner, and we see the same preference reflected strongly among our Texas clients.

Plan N: Growing Fast Nationwide

Across the U.S., around 10–11% of all Medigap enrollees choose Plan N, and it’s one of the fastest-growing plans for newly eligible retirees.

Why? Because it strikes a great balance:

• Lower premiums than Plan G
  
• Small, predictable copays
  
• Excellent protection for bigger medical needs
  

Many individuals who consider themselves healthy or infrequent doctor visitors lean toward Plan N for this reason.

High-Deductible Plan G (HDG): A Quiet but Growing Favorite

HDG doesn’t have the same market share as Plans G or N, but it’s steadily increasing nationwide - especially among retirees who want the lowest monthly premium possible while still maintaining the protections of Plan G once the deductible is met.

People who choose HDG typically say: “I don’t go to the doctor much - I just want real Medicare protection without a big monthly bill.”

The Big Takeaway

Nationwide enrollment trends tell us something important:

• Plan G remains the most popular because retirees value protection and simplicity.
  
• Plan N is growing because it offers meaningful savings without sacrificing coverage.
  
• HDG is rising for retirees who want the lowest premium and rarely use medical services.
  

And here in Texas, we’ve seen those exact trends play out year after year.

Plan G Premium Comparison in Texas

(Based on verified Texas Plan G rate data)

Plan G is the most popular Medigap plan in Texas - and when you put Cigna and Aetna side by side, the biggest difference isn’t coverage (that’s identical)… it’s the monthly premium.

Here’s how the two carriers compare for a 65-year-old, non-tobacco user.

Why These Prices Don’t Match - Even Though the Coverage Does

Plan G benefits are standardized, so a Plan G from Cigna covers the exact same Medicare gaps as a Plan G from Aetna.

But premiums differ because each company uses its own:

• ZIP code rating (some Texas regions simply cost more than others)
  
• Pricing model (both use attained-age in Texas - meaning lower entry premiums that rise with age)
  
• Discount structure (Cigna tends to offer stronger household discounts, which can lower your effective rate)
  

So even though the benefits are identical, the price you pay each month can vary a lot.

Who Usually Wins on Price?

Cigna’s lowest Plan G rate ($167) is clearly more affordable than Aetna’s Plan G rate ($220) for the same profile.

Even Cigna’s higher-priced Standard II option sits within a range that allows shoppers to choose a premium level that fits their budget.

In most Texas ZIP codes we review, Cigna’s entry-level Plan G premium consistently comes in below Aetna’s.

Policy Guide’s Take

Because Plan G benefits never change between companies, price becomes the most important factor for most retirees.

And based on the verified Texas data, Cigna generally offers the better value for Plan G in Texas, especially for shoppers comparing entry premiums.

Plan N Premium Comparison in Texas

(Based on verified Texas pricing)

When it comes to Medicare Supplement Plan N, the story in Texas is very similar to Plan G: Price ends up being the biggest deciding factor because the benefits are identical across carriers.

Here’s how Cigna and Aetna compare for a 65-year-old, non-tobacco user.

Why the Price Difference Matters

Plan N is designed to be a lower-premium alternative to Plan G - so when comparing carriers, the monthly premium becomes even more important.

Because the plan benefits are standardized, the only real differences you’re paying for are:

• ZIP-code rating
  
• Pricing structure (both use attained-age in Texas)
  
• Available discounts (Cigna often provides stronger household savings)
  

Everything else - the office-visit copay, ER copay, and lack of excess-charge coverage - is identical no matter which insurer you choose.

Who Usually Wins on Price?

Cigna’s lowest Plan N rate ($107) comes in substantially lower than Aetna’s Plan N rate ($137.41).

Even Cigna’s higher-priced Standard II option ($154.19) is only slightly above Aetna’s rate - meaning Cigna wins the affordability battle in almost every scenario.

Policy Guide’s Take

For Plan N shoppers, the biggest advantage is savings - it’s the whole reason people consider Plan N over Plan G in the first place.

So the logic is simple: If the benefits are identical, the carrier with the lowest premium is typically the best value.

In this case, the Texas data shows Cigna offering the more competitive entry price, and for many retirees, that makes it the clear front-runner.

High-Deductible Plan G (HDG): Only Cigna Offers It in Texas

When it comes to High-Deductible Plan G, this part is simple: Cigna is the only one of the two carriers that offers HDG in Texas.

Aetna does not offer an HDG option anywhere in Texas.

If you’re healthy, don’t see the doctor often, and want the lowest possible monthly premium (around $69-$103 monthly), HDG can be a smart way to save - and with these two companies, Cigna is your only choice.

Discounts, Perks and Member Experience

When you’re comparing Cigna and Aetna, the monthly premium is usually the first thing people look at - and for good reason.

But once you’ve narrowed down the price, the next big question becomes: “What do I actually get as a member?”

‍This is where discounts, digital tools, and day-to-day member experience can make one carrier feel like a better fit than the other.

Here’s how Cigna and Aetna stack up.

Cigna

Household Discounts

Cigna is one of the few carriers in Texas that consistently offers strong household discounts.

In many ZIP codes, qualifying members can save around 7-12%, and in some cases even more when multiple policies are in the home.

If you’re a couple comparing plans together, this can make a noticeable difference.

Digital Tools

Cigna’s online experience is clean, modern, and easy to use.

From billing to claims, everything is designed to be handled quickly on your phone or computer - great if you prefer managing your coverage without calling in.

Value Pricing

Across Texas, Cigna frequently shows up as one of the most affordable Medigap carriers for Plan G and Plan N.

If your main goal is to get the lowest premium for the same standardized benefits, Cigna usually makes the shortlist.

Takeaway: Cigna is the right fit if saving money is at the top of your list and you want a modern, streamlined digital experience.

Aetna

Household Discounts‍

Aetna also offers household discounts in many Texas ZIP codes - typically around 7% when another Medicare-eligible adult lives in the home.

It’s not as aggressive as some Cigna discounts, but still meaningful.

Digital Simplicity‍

Aetna’s online tools are straightforward and easy to navigate. They focus less on bells and whistles and more on clarity - which a lot of retirees appreciate.

Predictable, Steady Coverage‍

Aetna is known for being consistent. Their Medigap plans tend to feel steady and predictable year after year.

They don’t try to impress you with extras - they just deliver solid, reliable coverage.

Takeaway: Aetna is ideal if you want a no-fuss Medigap experience - dependable coverage, simple tools, and a straightforward approach.

Bottom Line

• Choose Cigna if you want the biggest savings and a polished digital experience.
  
• Choose Aetna if you want a steady, traditional Medigap carrier that keeps things simple and predictable.
  

Just remember - discounts and perks vary by ZIP code, and that can shift who comes out cheapest in your area.

The smartest move is always to compare your actual rates side by side using your exact ZIP code.

Which Company Is Right for You?

At the end of the day, both Cigna and Aetna offer excellent Medicare Supplement coverage - you’re not choosing between a “good” company and a “bad” one. You’re really choosing which one fits you better.

Here’s the simplest way to think about it:

Choose Cigna if…

• You want the lowest premium you can find for the same standardized Medigap benefits.
  
• You’d benefit from generous household discounts that can knock a meaningful amount off your monthly bill.
  
• You like having modern digital tools and a smooth online experience.
  

For most, Cigna often comes out as the better value - same benefits, lower price. And with Medigap plans being standardized, saving money on your premium is usually the smartest move.

Choose Aetna if…

• You prefer long-term predictability from a carrier known for steady, dependable coverage.
  
• You want a no-frills, straightforward Medigap experience that just works year after year.
  
• You prefer a simpler setup with fewer perks but consistent service.
  

Aetna’s strength is in its stability - a great fit for people who want a plan they can “set and forget.”

What We Recommend

Because every Plan G or Plan N works exactly the same - no matter who you buy it from - the difference usually comes down to price.

And in most Texas ZIP codes, Cigna tends to offer the lower premium, especially when household discounts apply.

So if you’re looking for the best mix of value, coverage, and savings, Cigna is typically the better pick.

How to Compare Cigna and Aetna Rates in Texas

Comparing Medigap rates in Texas doesn’t have to be complicated.

Here’s the exact process we walk clients through - and it works every time:

#1. Start with your ZIP code.

Texas pricing varies a lot by county. Your ZIP code is the #1 factor in determining whether Cigna or Aetna comes in lower.

#2. Compare Plan G and Plan N side-by-side.

These are the two most popular Medigap options in Texas.

• Plan G = full coverage
• Plan N = savings + small copays

Look at both before deciding - one may be dramatically cheaper where you live.

#3. Check if you qualify for a household discount.

Cigna often offers the bigger discount.

Aetna’s discount is smaller but still meaningful. This alone can swing the decision.

#4. Choose the plan with the best balance of low premium + long-term stability.

Because benefits are standardized, the “best” plan is almost always the one with:

• The lowest price,
  
• From a reputable carrier,
  
• With discounts you can lock in.
  

Need help comparing? Policy Guide can pull Cigna and Aetna quotes instantly for your ZIP code, show you discount eligibility, and help you avoid overpaying for identical benefits.

Final Thoughts

Choosing between Cigna and Aetna for your Medicare Supplement plan in Texas really comes down to one major factor: what you’ll pay each month.

The benefits are the same no matter which company you choose - so the real difference is the price and the experience.

And here’s what we see every day: Cigna is cheaper in most situations.

Across the Texas ZIP codes we compare, Cigna consistently shows up with lower Plan G and Plan N premiums, and their household discounts can drive the cost down even further. For most individuals, that combination makes Cigna the better value.

But, Aetna is still a solid option.

Aetna offers a reliable Medigap experience with simple digital tools and reliable service. But when Cigna’s premiums come in lower - which happens often - most people go with the cheaper, equivalent option.

The bottom line: Since Medigap plans are standardized, the smart move is to compare both in your ZIP code and choose the carrier offering the lowest premium for the same plan letter.

That’s usually Cigna, but checking your own rates is key because pricing varies from county to county.

If you want help reviewing today’s rates, Policy Guide can compare Cigna and Aetna side-by-side so you know exactly which one gives you the best deal.