Is the Cigna drug plan good for seniors?
Asked by: Prof. Christy Kulas DDS | Last update: August 10, 2025Score: 4.3/5 (23 votes)
Is Cigna a good RX plan?
The bottom line: Cigna Medicare Part D plans get slightly below-average star ratings in 2025. But Cigna also offers lower premiums than many competitors, especially for its low-cost Cigna Saver Rx plan. If a Cigna Medicare Part D plan covers your medications, it could be a good value.
Does Cigna have a part D plan for seniors?
Part D plans are part of the government's Medicare program, but they're offered and managed through approved private insurers, like Cigna Healthcare. Enrollment in a separate Part D plan is not automatic. You need to select and enroll in a plan.
What is the deductible for Cigna drug plan?
The Cigna Healthcare Assurance Rx plan has a 2025 deductible of $590 for all tiers. The Cigna Healthcare Saver Rx plan has a 2025 deductible of $590 for tiers 3, 4 and 5 only. The Cigna Healthcare Extra Rx plan has a 2025 deductible of $175 tiers 3, 4 and 5 only.
Is Cigna a good insurance plan?
Cigna is a good health insurer for people who want access to a big provider network and strong integration with pharmacy benefits. Customers give it good marks for affordability and the company has a strong 3.2 out of 5 stars rating from the National Committee for Quality Assurance.
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What does Cigna not cover?
Excluded medical equipment includes, but is not limited to: air purifiers, air conditioners, humidifiers treadmills; spas; elevators; supplies for comfort, hygiene or beautification; wigs, disposable sheaths and supplies; correction appliances or support appliances and supplies such as stockings, and consumable medical ...
What is Cigna's preferred pharmacy?
More savings. Get $0 or reduced copays on many generic medications through Express Scripts Pharmacy, our preferred home delivery pharmacy. Express Scripts Pharmacy offers free shipping and flexible payment options to help manage your budget.
What is the most popular Part D drug plan?
The best Medicare Part D provider is Aetna. It has top ratings from the Centers for Medicare & Medicaid Services and affordable premiums. Other great providers include Wellcare and UnitedHealthcare.
How much does Cigna Tier 2 drugs cost?
Tier 2 (Generic Drugs): Standard cost-sharing: You pay $15 per prescription. Preferred cost-sharing: You pay $4 per prescription.
What prescription company does Cigna use?
Home Delivery with Express Scripts Pharmacy
Your Cigna HealthcareSM plan may include access to home delivery with Express Scripts® Pharmacy.
How does Cigna work with Medicare?
Subsidiaries of The Cigna Group contract with Medicare to offer Medicare Advantage HMO and PPO plans and Part D Prescription Drug Plans (PDP) in select states, and with select State Medicaid programs. Enrollment in a Cigna Healthcare product depends on contract renewal.
Is Medicare Part D free for seniors?
No, Medicare Part D isn't free. But in 2025, at least one $0-premium plan is available in 43 states, Washington, D.C., and Puerto Rico. Most plans do have a monthly premium. And all plans have other costs beyond premiums, such as copays, coinsurance and deductibles.
What is the star rating for Cigna Part D?
Cigna Medicare Part D pros and cons
So-so star ratings: Cigna's weighted average of 2.96 stars is slightly below the 3.06-star weighted average for all stand-alone Part D plans. Mail-order requirements: You may pay more to get some drugs in person — the lowest copays can require 90-day supplies by mail.
What speciality pharmacy does Cigna use?
Accredo, a Cigna specialty pharmacy, helps deliver affordable care, improved outcomes, and an enhanced experience for your patients with Cigna-administered coverage. We provide your patients the care they need to help manage their specialty medication therapy, as prescribed by you.
Does Cigna Medical include vision?
Adding Cigna Vision. Provides Coverage For Routine Eye Care
They are not available inside Cigna medical products but must be chosen as an additional enhancement. Like our dental products, Cigna's routine vision products have their own unique health care professional networks to keep costs low for Cigna members.
What is the best Medicare plan that covers everything for seniors?
Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.
Are Part D drug plans worth it?
While the lower-tier drugs may be manageable to pay for without Part D coverage, the higher tiers may give you sticker shock. So, while you may have to pay a premium, deductible, copay or coinsurance, your overall Medicare Part D costs will likely be significantly less than if you don't have coverage.
Why are people leaving Medicare Advantage plans?
Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.
What rank is Cigna insurance?
7 in Fair360 Top 50 Companies.
Does Cigna use Walgreens or CVS?
All other pharmacies shown here are only approved to fill up to a 30-day supply. With this program, CVS, Walgreens, grocers and independent pharmacies are included for 30-day prescriptions, while Walgreens is excluded from 90-day prescriptions.
Is Cigna getting rid of Medicare Advantage plans?
This year, it sold Medicare Advantage plans in about 600 counties across 29 states and the District of Columbia. Cigna is in the process of selling its Medicare business to Health Care Service Corp. for $3.3 billion, with the deal slated to close in the first quarter of next year.
Which health insurance denies the most claims?
According to the analysis, AvMed and UnitedHealthcare tied for the highest denial rate, with both companies denying about a third of in-network claims for plans sold on the Marketplace in 2023, respectively.
Who is Cigna's biggest competitor?
A competitive landscape
Among health insurance companies, based on membership, Cigna's biggest competitors are (again) the UnitedHealth Group, Humana, Aetna (part of CVS Health), and Anthem (renamed to Elevance Health in 2022).
Is Cigna accepted in all 50 states?
Cigna has medical plans available in 12 states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, and Texas. Dental plans are sold in all 50 states and the District of Columbia.