Cigna-HealthSpring sells Part D prescription drug plans in all 50 states and Washington, DC, with 32,000 pharmacies in its preferred network.1 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.2
Cigna’s prescription drug plans received a 2/5 Medicare Star Rating—below the three-star average Medicare Star Rating, which rates customer service, complaints from enrollees, user experience with the plan, and drug safety. Still, that shouldn’t automatically disqualify Cigna from your consideration. For more on star ratings, see Medicare.gov.
Who might want a Cigna Part D plan?
- People who take generic medications: Cigna provides great coverage for generics in all three plans, with just $1 or $4 copays on Tier 1 and $3 or $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 preferred mail-order pharmacies cost the same as its 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 4 (see table).
Cigna has a large preferred network of 32,000 pharmacies accessible from all three of its Part D plans.3 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 2019.
Cigna Part D plan comparison
|Cigna-HealthSpring Rx Secure||Cigna-HealthSpring Rx Secure-Essential||Cigna-HealthSpring Rx Secure-Extra|
|Tier 1 (preferred generic)||$1||$1||$4|
|Tier 2 (generic)||$3||$3||$10|
|Tier 3 (preferred brand)||$30||20%||$42|
|Tier 4 (non-preferred drug)||33-42%||47-50%||49-50%|
|Tier 5 (specialty tier)||25%||25%||31%|
|Tier 6 (select care drugs)||n/a||n/a||$6|
Input your drugs into Cigna’s drug formulary to find out which tiers they fall into.
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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 $415.
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 $3, respectively. After the first two tiers, it gets pricier: Tier 3 (name brand medications), a 30-day supply costs $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 $415.
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 $3,820 in 2019, 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 2019, you pay 37% 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 slowly shrinking. 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.
Bottom line: three plans, nationwide coverage
Low, medium, or high, Cigna has coverage options that could suit many people despite its below-average Medicare Star Rating.
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.
Call for a quote for any of Cigna’s Part D plans.
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