Cigna Medicare Part D 2022 Review

by Ann deBruyn

Cigna is the fifth-largest company offering Medicare Part D plans . Nearly 3 million Medicare beneficiaries have Cigna Part D plans as of April 2022.

If you’re looking for a high-coverage Medicare Part D plan, Cigna offers some of the lowest prices, on average. Overall star ratings from the Centers for Medicare Medicaid Services for Cigna’s stand-alone Medicare Part D plans are about 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.



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

  • Low-cost insulin options. The Secure Rx and Extra Rx plans offer certain insulins with minimal cost-sharing.

  • 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 medication adherence. Cigna trailed the national average on quality measures related to helping members with conditions like diabetes and hypertension get and take their medications.

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

Available 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.

For 2022, Cigna has reduced its range of offerings for prescription drug plans, or PDPs, from six to three. It has consolidated previous years’ Express Scripts branded plans into similar Cigna plans. While fewer plans are available, all of Cigna’s PDPs still have $0-copay options for certain medications if they're purchased through a qualifying mail order.

Cigna’s 2022 Medicare prescription drug plans are as follows :

  • Cigna Secure Rx: Cigna describes this plan as “basic coverage” and a good fit for Medicare beneficiaries receiving financial assistance through Medicare's Extra Help program. The Cigna Secure Rx plan is available with a $0 premium for beneficiaries with full Extra Help low-income subsidies in all markets except California and Puerto Rico.

  • Cigna Essential Rx: Cigna describes this plan as “modest coverage and great value.”

  • Cigna Extra Rx: Cigna describes this plan as “a very high level of coverage” with “low out-of-pocket costs.”

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 .

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

Cigna Medicare Part D premiums and deductibles

Here are the 2022 premiums and deductibles for Cigna’s stand-alone Medicare prescription drug plans :



Cigna Secure Rx

Monthly premiums:

  • Lowest: $23.10.

  • Average: $34.17.

  • Highest: $46.10.

Annual deductible: $480.

Cigna Essential Rx

Monthly premiums: 

  • Lowest: $27.70.

  • Average: $35.08.

  • Highest: $47.30.

Annual deductible: $480.

Cigna Extra Rx

Monthly premiums:

  • Lowest: $45.20.

  • Average: $59.11.

  • Highest: $75.70.

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 or a six-tier formulary :

Drug tier


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 Essential 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 the lowest 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 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.

All three of Cigna’s plans have no deductible for drugs in Tier 1 and Tier 2. The Secure Rx and Extra Rx plans also waive the deductible for certain other drugs.

Some plans offer $0 copays for Tier 1 or Tier 6 drugs, while other tiers have coinsurance requirements that can quickly get more expensive. As a result, it’s important to check where your medications and pharmacies fall on each plan’s formulary.

You can enter your medications and pharmacy information on Cigna’s website to see which drugs are covered and review your estimated costs with different plan options.

Cigna Medicare Part D star ratings

Average Part D star rating: 3.75

The Centers for Medicare Medicaid Services rates Medicare Part D plans on 12 quality measures. (You can find definitions for each of these factors in the CMS Star Ratings Technical Notes .)

These ratings use a 5-point scale where 5 is the best and 1 is the worst. The agency bases its ratings on drug plans’ quality of service and customer experiences, and ratings are updated annually.

Based on the most recent year of data, stand-alone Cigna plans get an average of 3.75 stars. The 2022 average for all stand-alone Medicare Part D plans from all providers, weighted by enrollment, was 3.7 stars .

Compare Cigna Part D star ratings

Stand-alone Medicare Part D plans from Cigna outperformed the national average on six Part D measures, but fell behind the national average on the other six measures.

Here’s how stand-alone Cigna plans compared with national averages for each of the 12 Part D measures :

Measures on which Cigna plans outperformed


Cigna average

National average

Complaints about the drug plan (a higher star rating means fewer complaints)

5 stars.

4.8 stars.

Members choosing to leave the plan (a higher star rating means fewer members choose to leave)

4.5 stars.

4.2 stars.

Drug plan quality improvement

5 stars.

4.1 stars.

Rating of drug plan

4 stars.

3.8 stars.

Getting needed prescription drugs

4 stars.

3.9 stars.

Medicare plan finder price accuracy

5 stars.

3.3 stars.

Measures on which Cigna plans fell behind


Cigna average

National average

Call center — foreign language interpreter and TTY availability

3.5 stars.

4.2 stars.

Medication adherence for diabetes medications

3.5 stars.

3.9 stars.

Medication adherence for hypertension

2.5 stars.

3.5 stars.

Medication adherence for cholesterol

3 stars.

3.6 stars.

Medication Therapy Management program completion rate for comprehensive medication review

3 stars.

3.7 stars.

Statin use in persons with diabetes

3 stars.

3.3 stars.

American Customer Satisfaction Index: 68 out of 100

The American Customer Satisfaction Index, or ACSI, rates consumer satisfaction with products and services based on a scientific model developed at the University of Michigan. Ratings are derived from surveys that measure consumers’ expectations and perceived quality and value of products and services.

In 2021, Cigna scored 68 out of 100 on the ACSI health insurance satisfaction benchmark . ACSI measures satisfaction with the health insurance industry as a whole — Cigna’s score represents all of its health insurance products, not just Medicare Part D insurance. For comparison, the highest score was 75 and the health insurance industry average was 73.

AM Best Financial Strength Rating: A

AM Best is a credit rating agency that specializes in the insurance industry. In March 2021, AM Best affirmed its Financial Strength Rating, or FSR, of A (Excellent) for Cigna Corp., including its U.S. life/health subsidiaries and health maintenance organizations .

An A rating in this category indicates that AM Best believes Cigna has an excellent ability to meet its ongoing insurance obligations.

Cigna, headquartered in Bloomfield, Connecticut, was created in 1982 when Connecticut General Corp., or CG, and the Insurance Company of North America — known as INA — merged. Cigna offers health insurance for individuals and families, dental insurance, Medicare Advantage and Part D plans, Medicare Supplement Insurance, and other insurance coverage such as whole life and cancer treatment insurance. The company also offers insurance for businesses. In 2021, Cigna posted $174.1 billion in adjusted revenues.

Find the right Medicare Part D prescription drug plan

The interactive tool on can help find a Medicare Part D plan that covers your prescriptions and compare costs among Medicare Part D and Medicare Advantage plans available to you.

Here are some things to keep in mind when comparing plans:

  • Check the formulary: You’ll want to make sure the medicines you currently take and, importantly, any you think you might need in the future, are covered under each of the plans you’re considering. Talk to your health care providers about what brand-name and generic medicines to look for and any alternatives that may also work in case you can’t find your current medicines on the plans available in your area.

  • Look for plan changes: Formularies change frequently. Your insurer should send you a Notice of Plan Change when the formulary changes. Read this document carefully.

  • Check the pharmacy network: Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Check to see if your pharmacy or an equally convenient one is in the plan’s network. Also, compare prices for using mail order.

If your plan does change, and the change affects the prescription drugs you need, you can switch plans during Medicare's open enrollment period , Oct. 15 to Dec. 7. Changes go into effect on the following Jan. 1.

If you have additional questions about Medicare, visit or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).