Cigna Medicare Advantage offers plans in 29 states and Washington, D.C., and the company’s member experience ratings, including metrics like care coordination and customer service, are above average for major providers. Cigna’s average star ratings from the Centers for Medicare & Medicaid Services (CMS) are lower than Kaiser’s ratings, but neither provider beats the industry average.
Kaiser Permanente Medicare Advantage plans are available in only eight states and Washington, D.C., and Kaiser’s member experience scores from CMS fall below those of other major providers. Kaiser Permanente also offers 4-star plans in only three states.
Here’s a look at how Cigna and Kaiser Permanente compare.
Cigna Medicare Advantage
3.76 CMS Star Rating Cigna plans are low-cost and member experience scores are higher than average, but star ratings from the CMS have declined. GET A QUOTE from askchapter.org States available 29 states and Washington, D.C. Members in high-rated plans Medium (50% to 89%) Member experience 3.49 (Above average) States available 29 states and Washington, D.C. Members in high-rated plans Medium (50% to 89%) Member experience 3.49 (Above average) Pros ConsCigna
Other factors to consider
Provider size | 7th-largest provider of Medicare Advantage plans. |
Medicare Advantage enrollment | More than 570,000. |
Percent of plans rated 4 stars or higher | 46%. |
Percent of plans with $0 premium | 83%. |
Plans available | HMO, HMO-POS, PPO, SNP. |
Kaiser Permanente Medicare Advantage
3.94 CMS Star Rating Kaiser Permanente plans get average star ratings — lower than last year — and the provider sells plans in only eight states and Washington, D.C. GET A QUOTE from askchapter.org States available 8 states and Washington, D.C. Members in high-rated plans Medium (50% to 89%) Member experience 2.44 (Below average) States available 8 states and Washington, D.C. Members in high-rated plans Medium (50% to 89%) Member experience 2.44 (Below average) Pros ConsKaiser Permanente
Other factors to consider
Provider size | 5th-largest provider of Medicare Advantage plans. |
Medicare Advantage enrollment | 1.8 million. |
Percent of plans rated 4 stars or higher | 33%. |
Percent of plans with $0 premium | 51%. |
Plans available | HMO, HMO-POS, PPO, SNP. |
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
» MORE: Best Medicare Advantage plans
If you have additional questions about Medicare, visitMedicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).