Key Takeaways
- Cigna provides three distinct stand-alone Medicare Part D plans, each offering varying levels of coverage and costs, to suit different needs and budgets.
- The costs for Cigna’s Part D prescription drug plans in 2025 vary depending on the specific plan you choose and where you live.
- When choosing a Cigna Part D plan, it’s important to be aware of Medicare enrollment periods to avoid potential late enrollment penalties.
Cigna Health and Life Insurance Company is a large international insurance company. It offers three stand-alone Medicare Part D prescription drug plans in all 50 states and U.S. territories.
The company also administers a variety of Medicare Advantage plans with prescription drug coverage in 29 states and Washington, D.C.
Cigna offers three different stand-alone prescription drug plans for people eligible for or enrolled in Original Medicare Part A, Part B, or both.
Each plan has different costs and coverage levels, but all plans have a drug list called a formulary.
The formulary is a list of covered medications that plans typically divide into tiers. More affordable, generic medications are usually in lower tiers, and more expensive brand-name or specialty drugs are in higher tiers.
Cigna’s prescription drug plan formulary
Like most prescription drug plans, Cigna’s Part D plans have a formulary that ranks each prescription drug into tiers based on how much it costs.
Cigna orders its tiers in the following way:
- Tier 1: preferred generic
- Tier 2: generic
- Tier 3: preferred brand
- Tier 4: nonpreferred brand
- Tier 5: specialty
One way to keep costs low is to use Cigna’s preferred generic medications when possible.
Cigna Healthcare Assurance Rx (formerly Cigna Secure Rx)
Cigna recommends this plan for people who prefer low premiums, low copays, and basic coverage.
With this plan, there is an annual deductible of $590 for all tiers.
People who are eligible for and receive Extra Help may opt for Cigna Healthcare Assurance Rx plans.
Cigna Healthcare Saver Rx
This plan is Cigna’s middle-of-the-road option. It offers savings on generics, low premiums, low copays, and no deductible for tier 1 and 2 drugs.
Cigna Healthcare Saver Rx has an annual deductible of $590 for tier 3, 4, and 5 medications.
Cigna Healthcare Extra Rx
Cigna recommends this plan for people who need high-level cost protection.
With higher monthly premiums than the other plans, Cigna Healthcare Extra Rx has no deductible for tier 1, and 2, and a $175 annual deductible for tier 3, 4, and 5 drugs.
To find out whether Cigna has specific Part D or Medicare Advantage plans where you live, you can enter your ZIP code into Cigna’s online search tool. You can also use Medicare’s plan finder tool to compare plans from several companies.
The costs for Cigna’s Part D plans vary depending on where you live and which plan you choose.
In 2025, here’s how much you’ll pay in monthly premiums for Cigna’s three stand-alone Medicare Part D plans in different areas of the country:
| Los Angeles, CA | Fort Lauderdale, FL | Chicago, IL | Philadelphia, PA | |
|---|---|---|---|---|
| Cigna Healthcare Assurance Rx | $1.80 | $94.70 | $65.40 | $64.40 |
| Cigna Healthcare Saver Rx | $20.60 | $27.10 | $16.60 | $12.60 |
| Cigna Healthcare Extra Rx | $140.90 | $114.80 | $101.60 | $95.30 |
Cigna’s website offers a search tool that allows you to enter the name of any drug and the plan you’re considering. The tool shows the price of the drug in your area with the plan you have selected.
Cigna and Medicare both offer online search tools that allow you to enter your ZIP code to find out which plans are available where you live. You can use the search tool to compare plans and find the one that best fits your needs and your budget.
Original Medicare Part A and Part B only cover medications in some limited circumstances. If you need take-home prescription drug coverage, you can buy a stand-alone Medicare Part D prescription drug plan from a Medicare-approved private insurance company, such as Cigna.
You can buy the stand-alone plan as an individual add-on to Original Medicare or enroll in a Medicare Advantage (Part C) plan that includes Part D drug coverage. Premiums, deductibles, and cost-sharing will vary from plan to plan and state to state.
It’s important to understand how your prescription drug benefit will work with your other health insurance before you enroll in a plan. If you don’t have creditable prescription drug coverage when you sign up for Medicare, you could face higher costs later on.
Medicare adds a late enrollment penalty to your monthly premium if you don’t have adequate prescription drug coverage and sign up for Part D later. That late enrollment penalty will be added to your costs for as long as you have Medicare Part D coverage.
Cigna offers several options for people seeking Medicare Part D prescription drug coverage. Cigna offers three stand-alone plans with different deductibles, premiums, and benefits in all 50 states and U.S. territories.
Costs are generally lower when you use preferred generic medications supplied by one of Cigna’s many preferred pharmacies.
Whether you choose a stand-alone plan or a Medicare Advantage plan for your drug coverage, pay close attention to enrollment periods to avoid having to pay a late enrollment fee when you do sign up.