What Is Cigna Express Scripts for Medicare?
Key Takeaways
- Express Scripts by Evernorth (formerly Cigna Express Scripts) provides Medicare Part D prescription drug plans across all U.S. states, Puerto Rico, and Washington, D.C., offering drug coverage to people enrolled in Original Medicare.
- There are three plan tiers—Saver Plan, Secure Plan, and Extra Plan—each with different premiums, deductibles, and coverage for the coverage gap, so you can pick the option that aligns with your needs and finances.
- Plan costs for Express Scripts Part D depend on the specific plan and your location; members can use mail-order or preferred retail pharmacies such as Walgreens, Walmart, and Kroger. Note that CVS Caremark is no longer in-network as of 2024.
Express Scripts by Evernorth, operating under the Cigna umbrella, offers Medicare Part D prescription plans.
Medicare Part D is the benefit that helps pay for prescriptions. To join a Part D plan you must be enrolled in Original Medicare (Parts A and B). Medicare expects beneficiaries to have some prescription drug protection.
Private insurers market Medicare Part D plans. These can come as standalone drug plans or as part of a Medicare Advantage (Part C) package. Which plans you can enroll in depends on your geographic area.
Continue reading to learn about the Medicare Part D options Express Scripts provides and what you might pay for coverage.
What do Express Scripts drug plans cover?
In 2024, Express Scripts became Express Scripts by Evernorth and is part of Cigna’s broader Evernorth Health services.
The plans include prescription coverage backed by a formulary of thousands of drugs for which members typically pay low or no cost for many products.
As of October 2023, Cigna is the sole carrier offering Medicare drug plans that use Express Scripts services. The lineup includes three plan tiers: Saver Plan, Secure Plan, and Extra Plan.
Express Scripts’ preferred pharmacy network includes retail chains such as Walgreens, Walmart, and Kroger. The exact participating pharmacies may differ by region, and members can check Express Scripts’ website to see the current in-network locations.
Starting January 1, 2024, CVS Caremark is no longer part of Express Scripts’ network.
You’ll pay higher costs for prescriptions filled at standard retail pharmacies that are out-of-network. Before you enroll, verify that your chosen pharmacy accepts the Express Scripts plan.
You can also use Medicare’s online tools to search for participating pharmacies while you shop for Medicare drug plans.
What states offer Express Scripts Part D plans?
Express Scripts provides Medicare Part D coverage in every U.S. state, plus Puerto Rico and Washington, D.C. Monthly premiums and copays vary by where you live.
To see plan options and monthly costs in your area, use Medicare’s find a plan tool. Enter your ZIP code and filter results to view Express Scripts plans available nearby.
Cigna (Express Scripts) markets three Part D choices: Saver, Secure, and Extra. Average costs differ by location; below are general distinctions between the plans based on Cigna’s information:
- 2024 Cigna Saver Rx (PDP) Plan: Lowest monthly premium and lower copays. The standard deductible is waived for many generic drugs.
- 2024 Cigna Secure Rx (PDP) Plan: Mid-level premium with modest copays and a standard deductible.
- 2024 Cigna Extra Rx (PDP) Plan: Highest monthly premium but better coverage during the gap for generics and a smaller deductible.
Each Express Scripts plan carries a 3.5-star Medicare plan rating, while Cigna’s overall Medicare rating is 4.5 stars.
Medicare uses a five-star scale to evaluate plans, considering metrics like member satisfaction, plan retention, and responsiveness of customer service.
How much do Part D plans from Cigna (Express Scripts) cost?
Costs for Cigna (Express Scripts) Part D plans differ by plan tier and geographic region. The tables below present sample 2024 pricing for comparison.
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 |
The takeaway
Express Scripts provides Medicare Part D coverage through Cigna across most of the country, with options for mail-order and preferred retail pharmacies.
For more information about Cigna (Express Scripts) offerings, pricing, covered drugs, and formularies in your location, review Cigna’s 2024 summary of benefits and visit Medicare.gov. You may also wish to compare alternatives like silverscript medicare part d when evaluating Part D options.
Frequently Asked Questions
Express Scripts Medicare refers to the Medicare Part D prescription drug plans administered by Express Scripts (Evernorth) under Cigna, offering nationwide drug coverage to Original Medicare enrollees.
There are three main tiers: Saver Plan (lowest premium), Secure Plan (mid-level), and Extra Plan (higher premium with better gap coverage), each with different deductibles and copays.
Members can use mail-order and preferred retail pharmacies like Walgreens, Walmart, and Kroger; participating locations vary by region and CVS Caremark is no longer in-network as of 2024.
Yes. Monthly premiums, copays, and deductibles differ by plan tier and geographic area, so costs depend on where you live.
Use Medicare’s plan comparison tools or review the plan’s formulary and summary of benefits for your ZIP code to see covered drugs, pricing, and participating pharmacies.
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