Cigna Medicare Part D Review

Alex Enabnit
Licensed Insurance Agent and Medicare Expert Writer
December 11, 2019

Cigna-HealthSpring sells Part D prescription drug plans in all 50 states and Washington, DC, with more than 30,000 pharmacies in its preferred network.1, 2 Coverage like this helps set Cigna apart from the competition, as not all companies offer all (or any) of their Part D options in every state. Cigna’s plans cover 3,000 medications and many drugs commonly taken by Medicare enrollees.3

Who might want a Cigna Part D plan?

  • People who take generic medications: Cigna provides great coverage for generics in all three plans, with $0 to $4 copays on Tier 1 and $2 to $10 copays on Tier 2.
  • People who want options: With three options to choose from nationwide, Cigna’s plans provide options to suit people who have varying drug needs.
  • Customers with limited mobility: Cigna’s medications from preferred mail-order pharmacies may cost even less than preferred retail pharmacies, which is convenient for those who can’t get around easily.

Cigna Part D prescription drug plans

Cigna offers three prescription drug plans nationwide with three levels of coverage—basic, moderate, and high. Regardless of location, each plan has consistent deductibles, copayments, and coinsurance nationwide—besides Tier 3 and 4 (see table).

Cigna has a large preferred network of 30,000+ pharmacies accessible from all three of its Part D plans. Preferred pharmacies, which generally provide cheaper medications, include big names like Walgreens, Walmart, Kroger, and Safeway.

Note: preferred pharmacies vary by state. See Cigna’s full pharmacy network for the most updated information.

Input your drugs into Cigna’s drug formulary to find out which tiers they fall into.

Cigna-HealthSpring Rx Secure

You get the most basic prescription drug coverage compared to the other two Cigna prescription drug plans with the Cigna-HealthSpring Rx Secure plan. With the deductible, your drug coverage won’t kick in for the year until you’ve put down your full deductible.

The Secure plan could be a good choice for people who need basic drug coverage and rely mostly on generic medications, as Tier 1 and 2 drugs are an affordable $1 and $2, respectively. After the first two tiers, it gets pricier: Tier 3 (name brand medications), a 30-day supply costs $24-$30, and Tier 4 and 5 could likely be even more expensive.

Cigna-HealthSpring Rx Secure-Essential

The Cigna-HealthSpring Rx Secure-Essential plan provides moderate drug coverage compared to Cigna’s other two plans. It has the lowest premium out of all three plans, and with Tiers 1 and 2, there is no deductible. With Tiers 3 to 5, the deductible is $435.

In practical terms, if your medications are generics and fall within the first two tiers of Cigna’s formulary, this plan could be your cheapest option from Cigna.

Cigna-HealthSpring Rx Secure-Extra

If you’re looking for the most coverage from Cigna, you’ll likely want the Cigna-HealthSpring Rx Secure-Extra plan. It covers a lot of medications, has a $0 deductible on Tiers 1 to 3 and 6, and only a $100 deductible for Tiers 4 and 5.

This plan also has the best coverage Cigna can provide within the coverage gap (or donut hole). Under Medicare Part D rules, once your total drug costs (both what you and your plan pay) reach $4,020 in 2020, you enter the donut hole. This “phase” in coverage is a temporary period in which Part D plans typically cover less of your drug costs.

In 2020, you pay 25% of a generic drug’s cost in the donut hole. However, because of Cigna’s gap coverage in the Secure-Extra plan, Tier 1 and 2 generics are only $4 and $10, the same as they were before the donut hole.

As a side note, the coverage gap is technically closed as of 2020. Read more about what this means for Medicare Part D and your prescription drug plan.

Generally, this prescription drug plan has the highest premiums of Cigna’s options, but compared to other companies, it’s not the most expensive we’ve seen. The Secure-Extra plan could be the right choice for people who take a lot of medications or need a good amount of drug coverage. It could also be a good choice for people who know they’ll likely be in the donut hole at some point in the year.

Bottom line: three plans, nationwide coverage

Low, medium, or high, Cigna has coverage options that could suit many people.

No matter where you are in the country, it’s probably not hard to find a Cigna plan that could work for you. For this reason, whether your prescription drug plan needs are basic, moderate, or extensive, Cigna might be a good pick.

Want to learn more?

Content on this site has not been reviewed or endorsed by the Centers for Medicare & Medicaid Services, the United States Government, any state Medicare agency, or any private insurance agency (collectively "Medicare System Providers"). is a DBA of Clear Link Technologies, LLC and is not affiliated with any Medicare System Providers.

Alex Enabnit
Written by
Alex Enabnit
Medicare and geriatric care expert, Alex has one motivation behind every word he writes, and that’s finding you the best medical coverage for your situation. Alex has been featured on Bloomer Boomer, Best Company,, the Daily Ledger on the One America News Network, WBAP News radio, and more. Outside of work, you can find him hiking with his wife and pup or (occasionally) going to the gym.
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