Cigna Medicare Part D 2023 Review

Cigna offers low premiums and $0 deductibles for certain drugs and gets above-average star ratings from the Centers for Medicare & Medicaid Services.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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Cigna is the fifth-largest company offering Medicare Part D plans

Centers for Medicare & Medicaid Services. PDP Plan Directory. Accessed Jun 5, 2023.
. About 2.6 million Medicare beneficiaries have Cigna Part D plans as of May 2023.

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.



  • 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.

Cigna Medicare Part D star ratings

Average Part D star rating, weighted by enrollment: 3.5 stars

The Centers for Medicare & Medicaid Services (CMS) 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 3.5 stars. The 2023 average for all stand-alone Medicare Part D plans from all providers, weighted by enrollment when the ratings were released, was 3.25 stars

Centers for Medicare & Medicaid Services. 2023 Medicare Star Ratings Fact Sheet. Accessed Jun 5, 2023.

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 2023 Medicare prescription drug plans are as follows


  • 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 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

Centers for Medicare & Medicaid Services. 2023 PDP Landscape Source File (v 10 14 2022): Monthly Drug Premium. Accessed Jun 5, 2023.



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


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 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.

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$0-copay options

All three Cigna prescription drug plans offer $0 copays in certain circumstances, but the specifics vary. Copays and coinsurance for higher tiers can quickly get more expensive. As a result, it’s important to check where your medications and pharmacies fall on each plan’s formulary.

Here are the $0-copay options for each of Cigna’s Medicare Part D plans:

  • Cigna Saver Rx: $0 copay for Tier 1 drugs from preferred retail pharmacies and preferred mail-order pharmacies.

  • Cigna Secure Rx: $0 copay for any supply of Tier 6 drugs from preferred retail pharmacies and for 90-day supplies of Tier 1-2 drugs from preferred mail-order pharmacies.

  • Cigna Extra Rx: $0 copay for any supply of Tier 6 drugs from preferred retail or mail-order pharmacies and for 90-day supplies of Tier 1 drugs from preferred mail-order pharmacies.

Coinsurance vs. copay requirements

You’ll want to check whether you’ll pay a copay or coinsurance for your medications. Copays are set dollar amounts, so it’s easy to know what you’ll pay. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be less predictable and more expensive.

All three of Cigna’s Part D plans have copays for Tiers 1-3 and coinsurance for Tiers 4-5. The Secure Rx and Extra Rx plans also have copays for Tier 6.

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.

Third-party ratings for Cigna Medicare Part D plans

American Customer Satisfaction Index: 71 out of 100

The American Customer Satisfaction Index (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 2022, Cigna scored 71 out of 100 on the ACSI health insurance satisfaction benchmark

American Customer Satisfaction Index. Health Insurance. Accessed Jun 5, 2023.
. 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 77 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 May 2023, AM Best affirmed its Financial Strength Rating (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 Cigna has an excellent ability to meet its ongoing insurance obligations, according to AM Best.

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.

About Cigna

Cigna, headquartered in Bloomfield, Connecticut, was created in 1982 when Connecticut General Corp. (CG) and the Insurance Company of North America (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 2022, Cigna posted $180.5 billion in adjusted revenues.

Read the NerdWallet reviews of these other Cigna Medicare offerings:

Compare alternatives

Compare Medicare Part D prescription drug plan companies


Average stand-alone Medicare Part D star rating, weighted by enrollment (2023)

3.21 stars.

3.5 stars.

3.52 stars.

3.02 stars.

2 stars.

3 stars.

Find the right Medicare Part D prescription drug plan

The interactive tool on can help you find a Medicare Part D plan that covers your prescriptions. It also helps you 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 that 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).
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