Cigna Prescription Drug Coverage

A cigna prescription coverage plan is an insurance policy that pays for the costs of your prescription medications. It is available for Medicare Part D recipients. It covers a wide range of medications and can be used with any type of Medicare Part D plan. To learn more about this type of insurance, contact a cigna representative. You can get Medicare drug coverage with Original Medicare, a Medicare Advantage plan (like an HMO or PPO), or a standalone Medicare Prescription Drug Plan (PDP). If you choose to buy a Cigna-HealthSpring Rx (PDP) plan, you should review the summary of benefits booklet and your drug list.

The Preferred Drug List contains brand-name and generic drugs that are considered safe and effective by the FDA. This list includes medications that treat many common conditions, such as high blood pressure, heart disease, and diabetes. If a drug is not on the Preferred Drug List, you can ask your doctor about alternatives that are less expensive and just as effective. You can also ask about mail-order savings with Express Scripts, which is the preferred pharmacy for most Cigna standalone Part D plans.

Cigna receives high marks from JD Power and Consumer Affairs but does not participate in the Better Business Bureau’s BBB ratings. Cigna’s Medicare Advantage plans are rated separately by CMS. Accredo is a trademark of Express Scripts Strategic Development, Inc., a wholly-owned subsidiary of Cigna Health and Life Insurance Company.

Eligibility

Medications on Cigna’s drug list, called a formulary, are carefully chosen by Cigna Healthcare doctors and pharmacists based on their effectiveness, safety, ease of use, and cost. If a medication is on their drug list, it’s covered by your Medicare Advantage or Part D Prescription Drug (PDP) plan. If your prescription medication isn’t on their drug list, it might be eligible for coverage under the plan’s prior authorization or step therapy programs.

Each plan has a different drug list and separates medications into tiers based on their costs. This helps keep costs down for all their members, no matter what plan you have or which pharmacy you use. Cigna also offers substantial savings when you get three-month supplies of certain Tier 1 and 2 generic drugs through its ExpressScripts preferred pharmacy.

Your Cigna Medicare plan may also include access to convenient, cost-saving programs and services such as home delivery from Accredo, Cigna’s specialty pharmacy. Check your plan materials for more information. Medication prices displayed on myCigna are based on national averages and do not reflect actual pharmacy pricing.

PDP Plans

The best Cigna PDP plans for Medicare enrollees offer low premiums and copays. They also allow you to save money by using cost-effective generic drugs. For example, the Cigna Secure Rx plan doesn’t have an annual deductible for drugs ranked in tiers 1 and 2.

The Centers for Medicare & Medicaid Services (CMS) regulate all Medicare PDP plans. They must cover a broad range of medications and include a coverage gap that begins when you and your plan spend more than $4,600 on covered medications.

Cigna Medicare Advantage and standalone Part D plans provide a variety of benefits, including telehealth services. You can talk with a doctor over the phone or through video any time of day or night. You can even use telehealth to get a prescription for a medication. To find out more about these services, visit the myCigna website or app.