Find out if Cigna Medicare Part D Prescription Drug Plans (PDPs) meet your needs.
|Cigna offers three different standalone Medicare Part D prescription drug plans (PDPs). All three plans have a 3.5 out of 5-star rating from the Centers for Medicare and Medicaid Services (CMS).|
|Medicare rating: 3.5 stars||A.M. Best financial strength rating: A||BBB rating: not rated||NCQA rating: 2.5 to 3.5 stars||Consumer Affairs rating: 3.7||J.D. Power ranking 3rd out of 10|
Cigna is a global health services company that offers Medicare Part D prescription drug plans in all 50 states. The company contracts with over 67,000 pharmacies, which includes the vast majority of U.S. pharmacies. Cigna’s drug formulary covers over 3,000 medications common to Medicare enrollees.
Cigna provides drug coverage through their Medicare Advantage Plans in addition to their PDPs, and some of the ratings and reviews here include Advantage plans or Cigna global health insurance as a whole. PDP plans are rated separately by CMS only. This article looks specifically at Cigna’s PDP plans which are intended to supplement Original Medicare or certain Medicare Advantage Plans (PFFS or MSAs) that don’t offer drug coverage.
Cigna Medicare Part D prescription drug plans are regulated by Medicare and must cover:
Cigna, like all Medicare Part D prescription plan providers, has a formulary (list of drugs) and separates drugs into tiers that correspond to costs. Lower tiers include generic, lower-cost medications, and higher tiers include higher-cost, brand name, or specialty drugs.
Cigna’s Extra RX standalone Part D plan is the only plan that participates in the senior savings model that offers savings on insulin. These plans provide affordable copayments on select insulins, and you pay no more than $35 for a month’s supply.
Most of Cigna’s plans include mail order savings with $0 copay for Tier one drugs for a 90-day supply. The Extra RX plan offers a $0 copay for select insulins (Tier six) if you use the 90-day mail order method. Express Scripts® Pharmacy is Cigna’s preferred home delivery pharmacy. When you search for a standalone Part D Plan, check to see if your preferred pharmacy is in-network and whether the formulary includes the drugs you take.
Cigna offers three PDPs. All plans have the same initial coverage limit (what you and your plan spend before you enter the coverage gap) and the same annual out-of-pocket threshold amount (when you enter the catastrophic coverage phase).
Compare costs for the three 2023 plans in Denver County, CO:
|Plan name||Monthly premium||Annual deductible||Initial Coverage Limit||Annual out-of-pocket threshold amount|
|Cigna Secure RX (PDP)||$36.90||$480 (tiers 3, 4, 5)||$4,430||$7,050|
|Cigna Essential RX (PDP)||$47.30||$480 (tiers 3, 4, 5)||$4,430||$7,050|
|Cigna Extra RX (PDP)||$66.70||$100 (tiers 4, 5)||$4,430||$7,050|
*Based on pricing in Denver County, CO
|What we like about Cigna Medicare Part D Plans:||The drawbacks of Cigna Medicare Part D Plans:|
Cigna’s Medicare Part D plans are rated separately by CMS. A.M. Best issues a financial strength rating for Cigna Global Insurance Company, and the Better Business Bureau (BBB) does not rate Cigna. The National Committee for Quality Assurance (NCQA) and JDPower rate Cigna’s Medicare Advantage Plans only which are not as widely offered in the U.S. as their standalone Part D plans.. Because Express Scripts is the preferred mail order pharmacy for Cigna, the Consumer Affairs rating reflects Express Scripts Pharmacy reviews.
Although standalone Part D plans and Medicare Advantage Plans with drug coverage must follow the same CMS guidelines, your experience as a consumer may be different with a standalone plan versus a Medicare Advantage Plan. See ratings below to get an idea of how Cigna Global Insurance Company and Cigna’s Medicare Advantage Plans stack up against other insurers. The Medicare and Consumer Affairs ratings may be more indicative of how Cigna compares with other drug plans.
|Medicare rating: 3.5 stars||Cigna’s Part D plans have an overall quality rating of 3.5 out of 5 stars from the Centers for Medicare & Medicaid Services (CMS).|
|A.M. Best financial strength rating: A||A.M. Best sets credit ratings for insurers. A.M. Best’s Financial Strength Rating (FSR) for Cigna Global Insurance Company is A (Excellent). An A rating indicates Cigna has an excellent ability to meet financial obligations.|
|BBB Rating: not rated||Cigna is not rated by the Better Business Bureau. The company has processed 605 complaints in the last three years, including all of its products and services versus just standalone prescription drug plans.|
|NCQA rating: 2.5 to 3.5 stars||According to the National Committee for Quality Assurance, satisfaction ratings for Medicare Advantage plans issued by all Cigna divisions in different states range from 2.5 to 3.5 stars. Rated plans are HMOs and PPOs, which offer drug coverage, but no plans are accredited through NCQA. There are no NCQA ratings for Cigna standalone prescription drug plans.|
|Consumer Affairs rating: 3.7||Express Scripts is the preferred mail-order provider for Cigna’s Part D plans. Consumer Affairs gave Express Scripts a 3.7-star rating based on 1306 ratings. Reviews vary widely depending on individual experiences with customer service agents, but negative reviews were in the process of resolution.|
|J.D. Power ranking: 3rd out of 10||In its 2021 Medicare Advantage Study, J.D. Power measured Medicare Advantage Plan satisfaction based on coverage and benefits, provider choice, cost, customer service, information and communication, and billing and payment. Cigna Healthspring scored 822 points out of 1000 and came in third out of the top 10 Medicare Advantage providers.|
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