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Review of Cigna Medicare Advantage Plans with OTC Allowance Cards

Key takeaways:

  • A variety of plan options with comprehensive benefits.
  • Added flexibility with the OTC Allowance Card.
  • Positive member experience feedback.
  • Limited availability in certain states. Below-average CMS ratings. Variable costs beyond premiums.

Review of Cigna Medicare Advantage Plans with OTC Allowance Cards

In 2023, Cigna significantly expanded its Medicare Advantage (MA) offerings, notably introducing the Over-The-Counter (OTC) Allowance Cards. This comprehensive review examines these plans, focusing on their features, customer experiences, and overall value.

Expanded Services and Enhanced Features

Cigna's growth in the MA market includes a 22% increase in its geographic footprint, notably entering new territories like New York and Kentucky.

  • Wider Geographic Reach: Expanding into 106 new counties across 28 states.
  • $0 Premium Plans: Accessible in every market, aligning with affordability needs.
  • Diverse Plan Options: Including HMO, PPO, and SNPs.
  • Cigna Healthy Today Card: A flexible card offering various wellness incentives.

The Cigna Healthy Today Card

A distinctive element of Cigna's MA plans is the Cigna Healthy Today card. It allows users to access their wellness incentives and allowances conveniently, although the specifics can vary based on the plan.

Plan Diversity

  • HMO Plans: Feature lower or zero premiums with fixed copays.
  • PPO Plans: Provide a broader choice of healthcare providers.
  • SNPs: Tailored for individuals with specific medical conditions.

Customer Experience and Ratings

Cigna's MA plans generally receive positive feedback for their coverage and benefits. However, they have garnered below-average CMS star ratings, indicating potential areas for improvement.

Costs and Considerations

Costs vary based on the plan type and location. While many plans offer $0 premiums, it's crucial to understand the potential out-of-pocket costs such as copays and deductibles.


Cigna's Medicare Advantage plans with OTC Allowance Cards offer robust coverage and additional benefits, making them a viable option for those seeking comprehensive healthcare plans. However, the mixed CMS ratings and the potential for additional costs warrant careful consideration. It's recommended to review your specific healthcare needs, budget, and Cigna's plan details before making a decision.

Note: This review is based on information as of early 2024. Plan features and availability may change annually, so always refer to the most current information. is not connected with or endorsed by the United States government or the Federal Medicare program. Not all products are available in all states. Products are available in the following states: AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV and WY. There is absolutely no obligation to purchase anything. At, you will talk with a licensed insurance agent in your state. is a licensed and certified representative of Medicare Advantage [HMO, HMO SNP, PPO, PPO SNP and PFFS] organizations [and stand-alone PDP ] that have a Medicare contract. Enrollment in any plan depends on contract renewal. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Calling this number 1-877-849-6007 TTY 711 24/7 will connect you to a licensed insurance agent.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options. TTY users should call 1-877-486-2048 24 hours a day/7 days a week.

This is a solicitation of insurance. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special enrollment period or you are in your Medicare Initial Election Period.

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