Medicare Supplements review · Updated October 2026

HealthSpring (formerly Cigna) Review (2026)

Medigap plans with stacking discounts.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

Couples can save significantly when both enroll. On our Medicare Supplement comparison, it's labeled Best for household discounts.

Key facts

PlansA, F, G, N
AvailabilityVaries by state
NotesHousehold and online discounts

What stands out

  • Offers Plans A, F, G and N
  • Household discount up to 20% plus an online enrollment discount
  • Among the lowest premiums in many areas

Pros and cons

Pros

  • Large household discount
  • Competitive premiums

Cons

  • Fewer plan letters offered

How HealthSpring (formerly Cigna) compares

Side-by-side comparison

AARP Medicare Supplement (UnitedHealthcare)
State Farm
HealthSpring (formerly Cigna)
PlansA, B, C, F, G, K, L, NA, C, D, F, G, NA, F, G, N
AvailabilityAll 50 statesMost statesVaries by state
NotesAARP membership requiredSold through agentsHousehold and online discounts
Visit siteVisit siteVisit site

Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever Medicare Supplement provider you choose, compare these points:

  • Standardized benefits. A Plan G from one insurer has the same benefits as a Plan G from another in most states.
  • How premiums are set. Community-rated, issue-age and attained-age pricing change how your premium rises over time.
  • Your guaranteed window. Your Medigap open enrollment period starts when you are 65 and enrolled in Part B. Health questions usually don't apply during it.
  • Part B excess charges. Plan G covers them; Plan N does not. This matters if your doctors don't accept Medicare assignment.

The Top 10 Experts is not connected with or endorsed by the U.S. government or the federal Medicare program. Not all plans are available in all areas.

See Medicare Supplement providers that serve your ZIP code.

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