Why does the CIGNA info have "individual plan" under notes? (medical, Humana)

[loves2read]

This is the link to the Medicare.gov site that shows how insurance providers price the Medigap policies they offer in my zip code...
https://www.medicare.gov/find-a-plan....aspx?ref=home

AARP/UHC is community based
Humana is issued age rated AND attainted age as well
CIGNA is attainted -age like most but has an "important note" listed which says Individual plans

Can anyone explain what that means--no definition on the page itself--
And how it effects the pricing policy

[arwenmark]

community based means they base their pricing over the ages of all the people on the program and it is the best. The attained age if just that they base the cost on your attained age and it keeps going up based on that, your attained age at any given time.
I can't really explain the last one.

[loves2read]

Thanks--
Do you have any experience with people who have started/stayed on AARP/UHC plans and those who chose attainted age provider and stayed there? As far as cost increases in older years?? I have read AARP/UHC allows people to move down to lesser coverage like F to G w/o being rated--which seems reason in addition to the community based pricing...

I looked on the CIGNA site w/o much luck re that term and on Medicare.gov site w/o finding anything specific

My agent is closed today--
Will ask Monday if that is something special CIGNA might do maybe as a rider policy--like dental or maybe hearing...but most supplemental dental plans I have seen are not really cost efficient...

[arwenmark]

Lovestoread,
Yes AARP/UHC does in fact allow you to change between their plans without underwriting. I just did it changed from F to G about 3 weeks ago. No problem at all and both I and my husband have serious medical problems.