Cigna / Healthspring Medicare Plans in Florida
Cigna's Medigap arm — competitive Plan G and Plan N rates for Florida seniors.
Cigna, operating its Medicare Supplement business under the Cigna / Healthspring brand in Florida, offers competitive Medigap plans backed by one of the largest health insurers in the country. Their Plan G and Plan N are among the most competitively priced in many Florida ZIP codes.
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Cigna / Healthspring Medicare Plans — An Independent Review
Cigna's Medicare Supplement plans in Florida are underwritten by Cigna Health and Life Insurance Company. With the financial strength of a Fortune 500 insurer behind them, Cigna Medigap plans offer the same standardized benefits as every other carrier — but often at highly competitive rates. Cigna is particularly strong in Florida markets and frequently ranks among the top three carriers by price in many counties. Their Medigap plans carry no network restrictions, meaning you can see any Medicare-accepting doctor or specialist nationwide.
Sample Cigna / Healthspring Plans in Florida
Plan availability and premiums vary by ZIP code. Call me for exact plans in your area.
Cigna Medigap Plan G
$98–$155/mo
premium
- Covers all Medicare gaps except Part B deductible ($257 in 2026)
- Any Medicare-accepting doctor — no network
- Fortune 500 financial strength
- Competitive rates in most FL counties
Cigna Medigap Plan N
$70–$110/mo
premium
- Lower premium than Plan G
- $20 office visit / $50 ER copay
- Nationwide coverage — no network
- Good for healthy seniors who rarely see specialists
Cigna Medigap High-Deductible Plan G
$28–$45/mo
premium
- Lowest premium option
- $2,870 deductible before coverage kicks in (2026)
- Full Plan G benefits after deductible
- Best for healthy seniors with savings
* Sample plans shown for illustration. Actual plans, premiums, and benefits vary by ZIP code and are subject to change. Contact me for current plan details in your area.
Cigna / Healthspring Medicare — Pros & Cons
Pros
- Fortune 500 financial strength and stability
- Competitive rates in most Florida markets
- No network restrictions — any Medicare doctor nationwide
- Strong customer service infrastructure
- Available across all 67 Florida counties
Cons
- Medical underwriting required outside open enrollment
- Rates increase with age
- No extra benefits (Medigap never includes dental/vision)
- Must pair with separate Part D plan
Best for: Florida seniors who want a financially strong, nationally recognized Medigap carrier with competitive Plan G or Plan N rates
Why Compare Cigna / Healthspring With an Independent Broker?
- I compare Cigna / Healthspring against every other carrier available in your ZIP code
- Cigna / Healthspring agents can only sell Cigna / Healthspring plans — I represent 12+ carriers
- I verify your doctors are in-network and your medications are covered before you enroll
- I compare total annual costs, not just monthly premiums
- Free service — I'm paid by the carriers, never by you
- I review your plan every Annual Enrollment Period to make sure it's still the best fit
- Florida specialist — 29+ years experience
"William saved me over $200/month by switching me from my old plan to a Medicare Advantage plan that still covers my Baptist Health doctors. He knew exactly which plans work in my part of Jacksonville."
Robert M.
Mandarin, Jacksonville, FL
Cigna / Healthspring Medicare — Frequently Asked Questions
Is Cigna Medigap the same as Cigna Medicare Advantage?
No — Cigna offers both Medicare Advantage and Medicare Supplement (Medigap) plans, but they are completely separate products. Medigap works alongside Original Medicare; Medicare Advantage replaces it.
How does Cigna Medigap compare to Mutual of Omaha?
Both are strong carriers. Cigna often has lower rates in Florida urban markets; Mutual of Omaha tends to be more competitive in rural areas. I compare both side-by-side for your specific ZIP code.
Can I keep my doctors with Cigna Medigap?
Yes — Medigap has no network. You can see any doctor or specialist in the country who accepts Medicare, regardless of which Medigap carrier you choose.
Does Cigna Medigap cover prescription drugs?
No — Medigap plans do not include prescription drug coverage. You'll need a separate Medicare Part D plan. I can help you find the best Part D plan to pair with your Cigna Medigap policy.
Official Cigna / Healthspring & Government Resources
Always verify plan details directly with the carrier and CMS before enrolling.
Cigna / Healthspring Official Site
Plans, benefits & enrollment directly from Cigna / Healthspring
CMS.gov
Centers for Medicare & Medicaid Services — official plan data
Medicare.gov
Official U.S. government Medicare plan finder & information
* These links go directly to Cigna / Healthspring's website, CMS.gov, and Medicare.gov. I am not affiliated with these government sites. Always compare plans with an independent broker before enrolling.
Compare Cigna / Healthspring vs. Other Carriers
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