Cigna Express Scripts is one of the largest pharmacy management companies in the United States. It offers Part D prescription drug plans in all 50 states, Puerto Rico, and Washington, D.C.
Express Scripts by Evernorth, part of the Cigna group, offers Medicare Part D plans.
Part D is the portion of Medicare that provides prescription drug coverage. You must be enrolled in Original Medicare (parts A and B) to enroll in Part D. Medicare requires all participants to have some form of prescription drug coverage.
Private insurance companies sell Medicare Part D plans. Sometimes, these plans are a separate policy, while other times, they’re a part of a Medicare Advantage (Part C) plan. The specific plans available to you are based on where you live.
Keep reading to find out more about the Medicare Part D plans that Express Scripts offers, as well as how much you can expect to spend when choosing one of these plans.
In 2024, Express Scripts became Express Scripts by Evernorth, part of the Cigna group (also called Evernorth Health), a global health company.
Express Scripts provides prescription drug coverage that includes a formulary of several thousands of medications for which you would pay low to no cost.
As of October 2023, Cigna was the only company offering Express Scripts services as part of its Medicare drug plans. It offers three levels of plans: Saver Plan, Secure Plan, and Extra Plan.
Express Scripts’ preferred network includes retail pharmacies such as Walgreens, Walmart, and Kroger. Specific pharmacies may vary depending on the location, but Express Script members can go on its website to find a list of currently in-network pharmacies.
As of January 1, 2024, CVS Caremark is no longer in network for Express Scripts.
You’ll pay the most when getting medications from a standard retail pharmacy that’s not in network. You can make sure your preferred pharmacy is in network for the Express Scripts plan before you enroll.
On the Medicare website, you can search for participating pharmacies in your area as you shop for Medicare drug plans.
Express Scripts offers its Medicare Part D plans in all U.S. states plus Puerto Rico and Washington, D.C. The monthly premium for each plan and copay costs depend on where you live.
To view the plan options and monthly premiums in your area, you can use Medicare’s find a plan tool. With this online tool, you enter your ZIP code and narrow the results to Express Scripts plans in your area.
Cigna (Express Scripts) offers three Part D plans: Saver, Secure, and Extra. The average costs for each plan will vary based on where you live, but here are some basic differences between each plan according to Cigna:
- 2024 Cigna Saver Rx (PDP) Plan: This plan has the lowest premium and copays. The standard deductible doesn’t apply to many generic medications.
- 2024 Cigna Secure Rx (PDP) Plan: This plan is in the middle in terms of monthly premiums, has low copays, and one standard deductible.
- 2024 Cigna Extra Rx (PDP) Plan: This plan has the most expensive monthly premium, but it offers the most gap coverage for generic medications and has the lowest deductible.
All the Express Scripts plans have a 3.5-star Medicare rating, and Cigna’s overall Medicare rating is 4.5 stars.
Medicare rates plans on a scale of 5 stars. The score measures factors such as customer satisfaction, the number of people leaving the plan each year, and customer service responsiveness.
Part D plans from Cigna (Express Scripts) vary in price based on the type of plan and your location. The following tables offer some examples for comparison in 2024.
Cigna Saver Rx (PDP)
| Costs | Seattle, WA | Lincoln, NE | Atlanta, GA |
|---|---|---|---|
| Monthly premium | $14.20 | $20.30 | $20.30 |
| Annual deductible | $545 | $545 | $545 |
| Tier 1 copay: Preferred generic (30-day supply) | $0 | $0 | $0 |
| Tier 2 copay: Generic (30-day supply) | $6 | $8 | $8 |
| Tier 3 copay: Preferred brand (30-day supply) | 18% of cost | 18% of cost | 18% of cost |
| Tier 4: Nonpreferred brand (30-day supply) | 50% of cost | 49% of cost | 47% of cost |
| Tier 5: Specialty (30-day supply) | 25% of cost | 25% of cost | 25% of cost |
Cigna Secure Rx (PDP)
| Costs | Seattle, WA | Lincoln, NE | Atlanta, GA |
|---|---|---|---|
| Monthly premium | $39.90 | $59.20 | $69.30 |
| Annual deductible | $545 | $545 | $545 |
| Tier 1 copay: Preferred generic (30-day supply) | $0 | $0 | $0 |
| Tier 2 copay: Generic (30-day supply) | $3 | $3 | $3 |
| Tier 3 copay: Preferred brand (30-day supply) | 16% of cost | 16% of cost | 17% of cost |
| Tier 4: Nonpreferred brand (30-day supply) | 41% of cost | 47% of cost | 46% of cost |
| Tier 5: Specialty (30-day supply) | 25% of cost | 25% of cost | 25% of cost |
Cigna Extra Rx (PDP)
| Costs | Seattle, WA | Lincoln, NE | Atlanta, GA |
|---|---|---|---|
| Monthly premium | $65.20 | $80.70 | $99.70 |
| Annual deductible | $145 | $145 | $145 |
| Tier 1 copay: Preferred generic (30-day supply) | $3 | $3 | $3 |
| Tier 2 copay: Generic (30-day supply) | $12 | $12 | $12 |
| Tier 3 copay: Preferred brand (30-day supply) | 20% of cost | 20% of cost | 20% of cost |
| Tier 4: Nonpreferred brand (30-day supply) | 50% of cost | 50% of cost | 50% of cost |
| Tier 5: Specialty (30-day supply) | 31% of cost | 31% of cost | 31% of cost |
Express Scripts offers Part D plans through Cigna in nearly every area of the country. It offers both mail-order and preferred retail pharmacies.
To find out more about Cigna (Express Scripts) plans, costs, coverage, and formularies in your areas, check out Cigna’s 2024 summary of benefits and Medicare.gov.