Cigna is the fifth-largest company offering Medicare Part D plans
[1]
. About 2.9 million Medicare beneficiaries have Cigna Part D plans as of October 2022.

Among the five largest Medicare Part D companies, Cigna has the highest average summary star rating, weighted by enrollment, from the Centers for Medicare & Medicaid Services, or CMS. And if you’re looking for a high-coverage Medicare Part D plan, Cigna offers some of the lowest prices, on average.

Here’s what you should know about Cigna Medicare Part D prescription drug plans.

Cigna Medicare Part D pros and cons
Medicare prescription drug plans from Cigna have advantages and disadvantages.

Pros

Cons

Highest-coverage plan is relatively inexpensive. The Cigna Extra Rx plan is less expensive, on average, than similar high-coverage options from major competitors.

Every plan has some $0-deductible formulary tiers. Each of Cigna’s plans has no deductible for drugs on certain formulary tiers (specific tiers vary by plan).

Below-average ratings for diabetes and heart disease. Cigna trailed the national average on quality measures related to helping members with conditions like diabetes, high cholesterol and hypertension get and take their medications.

Mail-order requirements for lowest copays. You may pay more to get some drugs in person — the lowest copays can require 90-day supplies by mail.

» MORE: Best Medicare Part D prescription drug plans

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Cigna Medicare Part D prescription drug plans
Medicare beneficiaries with Original Medicare (Part A and/or Part B) can purchase a Medicare Part D plan for prescription drug coverage. Part D plans are sold by private insurance companies. The costs and coverage can vary significantly, so it’s important to compare options.

Cigna’s plan lineup is a little different for 2023. Last year’s Cigna Essential Rx plan has merged with the high-coverage Cigna Extra Rx plan, and there’s a new low-cost plan: Cigna Saver Rx.

Cigna’s 2023 Medicare prescription drug plans are as follows
[2]
:

Cigna Saver Rx: Cigna describes this plan as “modest coverage and great value” with “a very low monthly premium and very low cost for many generics.”

Cigna Secure Rx: Cigna describes this plan as “basic coverage” with “a low monthly premium, low copays, and low costs for many generics and insulins.”

Cigna Extra Rx: Cigna describes this plan as “a very high level of coverage” with “a higher monthly premium, more robust drug coverage, low out-of-pocket costs, and gap coverage for some medications.”

Cigna Medicare Part D service area
Stand-alone Cigna Medicare prescription drug plans are available in all 50 states, plus Washington, D.C., and Puerto Rico
[3]
.

Cigna offers all three of its stand-alone Medicare Part D plans in all of its markets.

Cigna Medicare Part D cost
Cigna Medicare Part D premiums and deductibles
With the introduction of the new Saver Rx plan, Cigna’s lowest Medicare Part D premium has dropped by over $20 per month, on average. Average premiums for the Cigna Secure Rx plan are about the same as they were last year, and the average Cigna Extra Rx premium is about $4 more expensive in 2023.

Here are the 2023 premiums and deductibles for Cigna’s stand-alone Medicare prescription drug plans
[4]
:

Plan

Pricing

Cigna Saver Rx

Monthly premiums:

Lowest: $12.10.

Average: $12.59.

Highest: $15.

Annual deductible: $505.

Cigna Secure Rx

Monthly premiums:

Lowest: $23.60.

Average: $34.04.

Highest: $40.80.

Annual deductible: $505.

Cigna Extra Rx

Monthly premiums:

Lowest: $41.20.

Average: $63.04.

Highest: $108.40.

Annual deductible: $100.

» If you have concerns about affording Medicare Part D, look into Medicare Extra Help.

Cigna Medicare Part D drug formulary tiers
A formulary is a list of the prescription drugs covered by an insurance plan. The plans often organize different kinds of drugs into tiers according to the cost of the drugs.

Cigna prescription drug plans use a five-tier and a six-tier formulary
[5]
:

Drug tier

Description

Tier 1: Preferred generic drugs

Generic prescription drugs with low cost-sharing requirements.

Tier 2: Generic drugs

Non-preferred generic drugs.

Tier 3: Preferred brand drugs

Preferred brand-name drugs and some generic drugs.

Tier 4: Non-preferred drugs

Non-preferred brand-name drugs and some generic drugs.

Tier 5: Specialty tier

Generic and brand-name drugs that meet a government-defined threshold for the cost of ingredients.

Tier 6: Select care drugs*

A selection of brand-name and generic drugs — mostly insulins and related products — with very low cost-sharing requirements.

*Cigna Secure Rx and Cigna Extra Rx plans only. The Cigna Saver Rx plan uses only the first five tiers.

Each tier has copay or coinsurance requirements. You’ll generally pay more for drugs listed in higher tiers up to Tier 4, but Tier 5 specialty drugs have a lower coinsurance requirement than Tier 4 drugs. Tier 6 drugs have either $0 or relatively low out-of-pocket costs.

The drugs included in tiers and what you’ll pay for each tier depends on your choice of prescription drug plan and what kind of pharmacy you use. For example, Cigna plans often have the lowest copays for 90-day supplies of Tier 1-2 drugs from their preferred mail-order pharmacies. Retail pharmacies and smaller quantities from preferred mail-order pharmacies often have low copays, and you’ll pay more at a standard (non-preferred) pharmacy.

$0-deductible options
All three of Cigna’s plans have no deductible for drugs on certain tiers:

Cigna Saver Rx: $0 deductible for Tier 1-2 drugs. The deductible is $505 for Tier 3-5 drugs.

Cigna Secure Rx: $0 deductible for Tier 1 and Tier 6 drugs, except in Puerto Rico, where only Tier 1 has a $0 deductible. The deductible is $505 for Tier 2-6 drugs in Puerto Rico and Tier 2-5 drugs everywhere else.

Cigna Extra Rx: $0 deductible for Tier 1-3 and Tier 6 drugs. The deductible is $100 for Tier 4-5 drugs.