The bottom line: Cigna Medicare Part D plans get slightly below-average star ratings in 2025. But Cigna also offers lower premiums than many competitors, especially for its low-cost Cigna Saver Rx plan. If a Cigna Medicare Part D plan covers your medications, it could be a good value.
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Cigna Medicare Part D pros and cons
Pros
- Low cost: The Cigna Saver Rx plan is one of the least expensive Medicare Part D plans on the market, on average.
- $0 copays: Every Cigna plan has options to get Tier 1 generic drugs with $0 copays.
Cons
- So-so star ratings: Cigna’s weighted average of 2.85 stars is slightly below the 3.11-star weighted average for all stand-alone Part D plans.
- Mail-order requirements: You may pay more to get some drugs in person — the lowest copays can require 90-day supplies by mail.
Compare against other providers
3.50
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
🔍 Wellcare Medicare Part D
2.85
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
🔍 Cigna Medicare Part D
3.49
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
🔍 Humana Medicare Part D
2.86
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
🔍 AARP/UHC Medicare Part D
» More options in our roundup of the best Medicare Part D plans
Compare against other providers
3.50
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
🔍 Wellcare Medicare Part D
3.49
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
🔍 Humana Medicare Part D
» More options in our roundup of the best Medicare Part D plans
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Cigna Medicare Part D star ratings
Average Part D star rating, weighted by enrollment: 2.85 stars
Cigna’s stand-alone Medicare Part D plans get an average star rating of 2.85 out of 5 stars from the Centers for Medicare & Medicaid Services (CMS) in 2025, weighted by enrollment
[1]
. For comparison, the weighted average star rating for all stand-alone Part D plans is 3.11 stars.
CMS rates Medicare Part D plans on 12 quality measures
[2]
. (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
[3]
.
» 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
[4]
:
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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.”
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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.”
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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 3 million Medicare beneficiaries have Cigna Part D plans as of March 2025
[5]
.
“Cigna Medicare Part D plans offer a reasonable balance of cost and quality, even though they’re neither the very cheapest nor the highest rated plans of 2025. With low premiums and multiple $0-deductible drug tiers, the Cigna Saver Rx plan could be especially worth considering.
“But remember, a Medicare Part D plan is only a good fit if it actually covers your prescription drugs. So before you buy, confirm that your medications are included on the plan’s formulary with out-of-pocket costs that fit your budget.”
Alex Rosenberg, lead writer covering Medicare
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
[6]
:
» If you have concerns about affording Medicare Part D, look into Medicare Extra Help.
$0-deductible options
Two of Cigna’s plans have no deductible for drugs on certain tiers
[7]
:
$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
[7]
:
-
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).
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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
[7]
.
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
[6]
.
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.
Read the NerdWallet reviews of these other Cigna Medicare offerings:
Compare Medicare Part D companies
Get more information below about some of the major Medicare Part D companies. These insurers offer plans in most states, but specifics may vary depending on your location.
Find the right Medicare Part D prescription drug plan
The interactive tool on Medicare.gov 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:
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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.
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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.
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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 Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
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