Cigna (HealthSpring) Medicare Supplement Plan G

What Is HealthSpring Medicare Supplement Plan G?

HealthSpring Medicare Supplement Plan G, formerly sold as Cigna, is a standardized Medigap policy from a company owned by Health Care Service Corporation since 2025, and existing policyholders' benefits didn't change with the new name.

It pays most of the costs Original Medicare leaves behind, including the Part A hospital deductible, Medicare coinsurance, and Part B excess charges.

You still pay the annual Medicare Part B deductible yourself.

Because Plan G benefits are set by federal law, HealthSpring's Plan G pays the same claims as Plan G from UnitedHealthcare, Mutual of Omaha, or any other insurer.

What differs is the premium, the discounts, customer service, and how the rate changes over time.

Still deciding whether Plan G is right for you?

Start with our complete guide to Medicare Supplement Plan G.

How Much Does HealthSpring Plan G Cost?

In our 2027 sample quotes for a 65-year-old man, HealthSpring Plan G ranged from $133.41 a month in New Mexico to $310.92 a month in Washington.

How that price compares with other carriers in your state matters more than the number itself, so here's a snapshot from seven states.

Sample 2027 monthly rates (January 1, 2027 effective date) from CSG Actuarial for a 65-year-old male nonsmoker in one ZIP code per state, with no household discount applied.

These are not statewide averages or guaranteed current rates.

For current pricing across all carriers, see our Medicare Supplement Plan G cost guide.

Where HealthSpring Plan G Ranks on Price

In our 2027 sample comparisons for men age 65, HealthSpring offered the lowest Plan G premium among the insurers quoted in 25 of 46 states.

At least one competitor was less expensive in the remaining 21 states, though HealthSpring was never the most expensive insurer we quoted.

How Much Can HealthSpring Plan G Cost Compared With Other Insurers?

This table compares HealthSpring with the highest-priced insurer we quoted in each state, not the next-cheapest option.

In these five states, the gap to the next-cheapest insurer was much smaller, ranging from $9.22 to $37.25 a month.

Annual figures are the monthly gap × 12, for illustration only — not a projection of future rates.

HealthSpring Plan G Rates by State

Pick your state to see HealthSpring's Plan G price next to every other carrier we quoted in one sample ZIP code.

Each state uses one sample ZIP code, a 65-year-old male nonsmoker, and no household discount.

BCBS means the local Blue Cross Blue Shield company in that state.

Your premium depends on your ZIP code, age, sex where permitted, tobacco use, start date, discounts, and the issuing company.

Massachusetts, Minnesota, and Wisconsin use their own Medigap plan systems.

New York wasn't in our 2027 HealthSpring quoting data.

What Does HealthSpring Plan G Cover?

HealthSpring Plan G covers the same standardized benefits as every other company's Plan G, the most complete plan available to people who became eligible for Medicare on or after January 1, 2020.

To see how Plan G stacks up against other plan letters, use our Medicare Supplement plans comparison chart.

Do Doctors Have to Accept HealthSpring for Plan G to Work?

No — HealthSpring Plan G has no provider network of its own.

If a doctor or hospital accepts Medicare, your Plan G works there, whether that's a local specialist, a winter home in another state, or a major referral center.

When an office says it "doesn't take HealthSpring," that's almost always a mix-up with employer or Medicare Advantage plans, not Medigap.

How HealthSpring Plan G Claims Work

Medicare pays its share first, then forwards the rest to HealthSpring automatically through a process called crossover.

You generally don't file anything yourself.

The exception is emergency care outside the U.S., where you may need to pay up front and submit the claim for reimbursement.

Is HealthSpring Plan G Cheaper Than Other Companies?

In most of the states we sampled, yes — but not everywhere.

Here's how HealthSpring's Plan G price stacked up head to head in every state where both companies were quoted.

Based on the same 2027 sample rates as the state tool above.

Where Another Company Beat HealthSpring Plan G

The local Blue Cross Blue Shield company had the lowest Plan G price in our 2027 samples for Alaska, Arizona, Colorado, Georgia, New Hampshire, New Jersey, Virginia, and Washington.

Humana came in lowest in Mississippi, Oklahoma, Rhode Island, South Carolina, South Dakota, and West Virginia.

UnitedHealthcare was lowest in Kentucky, Louisiana, Michigan, Missouri, and Oregon.

Mutual of Omaha was lowest in Hawaii, and Aetna was lowest in Idaho.

Some of those gaps were tiny — 73 cents a month in Louisiana and about $7 in West Virginia and Oklahoma — so a household discount or service record can easily tip the decision.

What I've Learned Comparing HealthSpring Plan G Rates

I quote HealthSpring alongside other established Plan G carriers all the time, and its price advantage is real but not automatic.

I check the rate for the client's exact ZIP code, compare it with at least two or three alternatives, and then weigh the household discount, complaint history, and issuing company before recommending anything.

To compare the companies themselves, see the Medicare Supplement companies we'd compare first, our Mutual of Omaha Plan G review, our Aetna Plan G review, or our HealthSpring vs. UnitedHealthcare rate comparison.

HealthSpring Plan G Discounts and Extra Benefits

Household Discount

HealthSpring advertises a premium discount of up to 20% in some states, and the percentage varies by state.

It isn't offered in Hawaii or Vermont, and in Washington it applies only to spouses.

The discount applies every month, so ask about it whenever a spouse or housemate might enroll too.

If the other policyholder later cancels or moves out, losing the discount can raise your premium.

Online Application Discount

HealthSpring also offers an extra 5% to new policyholders who apply directly on its website, though not in Connecticut, D.C., Florida, Massachusetts, New Jersey, New York, Ohio, Oregon, or Vermont.

Member Perks

HealthSpring Member Perks gives Medigap members access to wellness discounts on services like massage, physical therapy, and podiatry, plus discounted gym memberships.

Access costs nothing extra, but you pay the discounted price for whatever you use — it isn't a free gym membership.

These extras aren't part of the standardized Plan G benefit and can change, so treat them as a tiebreaker, not a reason to choose.

Does HealthSpring Plan G Include Drug Coverage?

No — you'll need a separate Medicare Part D plan, and it doesn't have to come from HealthSpring.

Is HealthSpring Plan G a Good Choice?

For many buyers it is, and the real trade-off is price versus service record.

Independent reviewers rate HealthSpring's Medigap complaint level as higher than average — NerdWallet's analysis of 2023–2025 NAIC complaint data found HealthSpring members filed complaints 48% more often than the Medigap industry average.

HealthSpring Plan G or Plan N?

Plan N usually costs less, but it adds up to $20 copays for some office visits, up to $50 for ER visits that don't lead to admission, and no coverage for Part B excess charges.

If you're weighing both, compare HealthSpring's Plan N price directly using our Medicare Supplement Plan N guide.

If you'd rather trade a lower premium for a higher deductible, see our comparison of Plan G vs. High Deductible Plan G.

HealthSpring Plan G Rate Increases and Long-Term Considerations

Today's premium is only part of the cost, because what you pay over 10 or 20 years depends on how the rate changes.

HealthSpring's rate history varies by state, issuing company, and policy block, so a single national figure won't tell you much.

Can HealthSpring Raise Your Plan G Rate Because You Got Sick?

No — your premium can change only through rate increases that apply to everyone in your rating group, or through age-based increases if your policy is priced by age.

What If HealthSpring Stops Selling Plan G in Your State?

Your coverage continues, because Medigap policies are guaranteed renewable as long as you pay the premium.

A closed block of policies keeps those protections, though its rates can trend differently because no new members are joining.

Can You Switch Away From HealthSpring Plan G Later?

Usually, but outside your open enrollment period or a guaranteed-issue situation, the new insurer can ask health questions and decline you or charge more.

"Buy cheap now, switch later" is riskier than it sounds, because your health gets a vote.

How to Enroll in HealthSpring Plan G

When to Apply

You need Medicare Part A and Part B before you can buy Plan G — here's how to sign up for Medicare if you haven't yet.

The best time is your Medigap Open Enrollment Period, the six months that start the first month you have Part B and are 65 or older.

During that window, an insurer can't turn you down or charge more because of your health.

What We've Seen With HealthSpring Underwriting

Outside open enrollment, HealthSpring asks standard health questions.

In our experience, applicants with well-controlled common conditions — stable blood pressure, managed diabetes, routine cholesterol medication — often move through without much trouble.

That isn't a guarantee, because approval depends on HealthSpring's underwriting guidelines in your state and your full health history.

A recent hospitalization or surgery, a recent cancer diagnosis, use of a mobility device, or several prescriptions for the same condition can lead to a closer review, a higher rate, or a decline.

How to Apply

Get a quote for your ZIP code, confirm the household discount and the issuing company, and then apply with one of our licensed agents.

Medigap premiums, discounts, and underwriting rules vary by ZIP code and change over time, so always verify current pricing and eligibility before enrolling.