Cigna Medicare Part D 2024-2025 Review

Cigna Medicare Part D pros and cons

Our full review

Cigna Medicare Part D star ratings

Average Part D star rating, weighted by enrollment: 2.96 stars

Cigna’s stand-alone Medicare Part D plans get an average star rating of 2.96 out of 5 stars from the Centers for Medicare & Medicaid Services (CMS) in 2025, weighted by enrollment^[0]

CMS rates Medicare Part D plans on 12 quality measures^[0]

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^[0]

» MORE: Medicare star ratings: How they can help you choose a plan

Cigna Medicare Part D prescription drug plans

Cigna’s 2025 Medicare prescription drug plans are as follows^[0]

• Cigna Saver Rx: Cigna describes this plan as “modest coverage and great value” with “a $0 to low monthly premium and very low cost for many generics.”

• Cigna Assurance Rx (formerly Secure Rx): Cigna describes this plan as basic coverage that’s a good fit for Extra Help recipients, with “a moderate premium, low copays, and low costs for many generics.”

• Cigna Extra Rx: Cigna describes this plan as “flexible coverage with a large pharmacy network, robust drug coverage and low out-of-pocket costs.”

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 is the fourth-largest company offering Medicare Part D plans. About 2.6 million Medicare beneficiaries have Cigna Part D plans as of September 2024^[0]

Cigna Medicare Part D cost

Cigna Medicare Part D premiums and deductibles

Here are the 2025 premiums and deductibles for Cigna’s stand-alone Medicare prescription drug plans^[0]

» If you have concerns about affording Medicare Part D, look into Medicare Extra Help.

Here’s how Cigna Medicare Part D pricing has changed for 2025:

• The Cigna Saver Rx plan gains $0 premiums in New Mexico, Oregon, Washington and Puerto Rico. Its premiums are about $2 lower per month, on average.

• The Cigna Assurance Rx plan (formerly Secure Rx) gains $0 premiums in Arizona, Arkansas, Michigan, New Mexico, Oregon and Washington. Its premiums are about $9 higher per month, on average.

• The Cigna Extra Rx plan’s premiums are about $16 higher per month, on average.

$0-deductible options

Two of Cigna’s plans have no deductible for drugs on certain tiers^[0]

• Cigna Saver Rx: $0 deductible for Tier 1-2 drugs. The deductible is $590 for Tier 3-5 drugs.

• Cigna Extra Rx: $0 deductible for Tier 1-2 drugs. The deductible is $175 for Tier 3-5 drugs.

$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^[0]

• Cigna Saver Rx: $0 copay for Tier 1 drugs from preferred retail pharmacies and preferred mail-order pharmacies (as a 90-day supply).

• Cigna Assurance Rx: $0 copay for Tier 1 drugs from preferred retail pharmacies and preferred mail-order pharmacies (as a 90-day supply).

• Cigna Extra Rx: $0 copay 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 through Tier 2 and coinsurance for Tiers 3-5^[0]

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.

» MORE: How much does Medicare Part D cost?

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^[0]

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

Read the NerdWallet reviews of these other Cigna Medicare offerings:

• Cigna Medicare Advantage.

• Cigna Medicare Supplement Insurance (Medigap).