Finding help with your ongoing prescription drugs costs can be complex, but luckily there are a variety of plans from a range of providers. Cigna HealthSpring MediCare Rx, the top pick in our guide to the best Medicare Part D plans, has three different variations to choose from, which we'll cover below.
The plans offer different levels of Medicare coverage from basic through to comprehensive. Each of them balance premiums up against the level of deductible, and each one will suit customers with different medical needs.
Not sure who Cigna is? The company employs over 35,000 people worldwide and has an annual revenue of around $32 billion. Its healthcare network embraces over one million healthcare professionals globally and institutions, plus 68,000 pharmacies in the United States.
Cigna-HealthSpring Medicare Rx review: Cost
- Starting at $20.20 per month
- Going up to $56.30 per month
There will be natural discrepancies in prices when looking at quotes for Medicare Part D plans, but we took as our standard a married, middle-aged man without any pre-existing conditions. The plans will be explained in more detail below, but the quotes came back as follows:
Cigna-HealthSpring Rx Secure is for people who require extra help or just basic coverage, and came back at $30.30 per month.
Cigna-HealthSpring Rx Secure Essential (PDP) is a good-value, modest coverage plan with savings on generic drugs, and that premium quote came back at $20.20 per month.
Cigna-HealthSpring Rx Secure Extra is a plan for those customers that need the highest cost protection with a more comprehensive drug list, and that came back at $56.30 per month.
Cigna-HealthSpring Medicare Rx review: Products
- Choice of three products
- Deductibles from $100
Extensive drug coverage Thousands of medications covered
Large pharmacy network Nationwide coverage with 63,000 individual pharmacies
Low co-pays $1-4 for Tier 1 drugs
Cigna HealthSpring MediCare Rx has three products for potential customers to choose from, each aimed at people with different prescription and medical needs. The tier for all of these three plans can be easily found on the company’s website. The tier table is straightforward and provides potential customers with most of the essential information one would need before enrolling. To enroll in a Cigna Part D Plan, you must be eligible for Medicare and continue to pay your Part B premium.
Cigna-HealthSpring Rx Secure is designed for Medicare member who get Extra Help or need basic protection to reduce the cost of their medications. The plan is characterized by low premiums and a standard deductible. It has a $1 co-pay for all Tier 1 drugs at preferred network pharmacies (which number some 63,000), and standard gap coverage. The plan covers over 3,000 medications and most of the common medications for people on Medicare (this information applies to all the Cigna plans).
Cigna-HealthSpring Rx Secure Essential (PDP) is designed for Medicare members who want great value and generic cost savings, but don’t need a lot of coverage. This plan is characterized by very low premiums, attractive co-pays, and no deductible for many generic drugs. There’s a $1 co-pay for many generics (all Tier 1 drugs at preferred network pharmacies) and a $415 deductible for Tier 3, 4, 5 drugs.
Cigna-HealthSpring Rx Secure Extra is designed for Medicare members who need a very high level of cost protection. This plan has higher premiums, but a large drug list, gap coverage for Tier 1 and Tier 2 drugs, and a deductible that applies only for Tier 4 and Tier 5 drugs. It has a $4 co-pay for all Tier 1 drugs at preferred network pharmacies and enhanced gap coverage. There’s a $100 deductible for Tier 4 and Tier 5 drugs with immediate coverage for Tier 1, Tier 2, and Tier 3 drugs.
Cigna-HealthSpring Medicare Rx review: Features
- Huge drug range covered
- Wide availability
All of the plans offered by Cigna HealthSpring MediCare Rx are designed to cover over 3,000 medications, including the vast majority of the common medications for people on Medicare.
The Part D section of Cigna’s website is very straightforward and intuitive to use, with options for people who may need further explanations and easy links to plans for those that don’t. Potential customers can simply enter their zip codes and they’ll be taken to an at-a-glance comparison of the plans available to them. Further explanations of the drug lists, pharmacy networks, premiums, etc, are all also easily available and well presented.
Cigna HealthSpring MediCare’s network of preferred pharmacists is nationwide, with pharmacies in every state and a total numbering some 63,000 individual pharmacies.
All of the plans offered by Cigna HealthSpring MediCare Rx have low co-pay amounts, ranging from just $1-$4 for Tier 1 drugs from their preferred network of pharmacies.
Cigna-HealthSpring Medicare Rx review: What users say
- Highest JD Power rating
- BBB rating of A+
Cigna has an A+ rating with the Better Business Bureau (opens in new tab), with a good record of addressing customer complaints. Its financial clout, as measured by Standard and Poors, Fitch and Moody’s, is ranked as very strong overall.
JD Power has rated its customer service worthy of their highest rankings four years in a row.
Cigna-HealthSpring Medicare Rx review: Verdict
Cigna HealthSpring MediCare Rx is a solid, well-priced place to look for a Medicare Part D plan. It has good options for varying degrees of required coverage, a large preferred pharmacy network and reasonable premiums.
In addition, the Healthy Rewards Program offers a range of discounts to customers, including discounts at some 9,000 fitness centers nationwide, vision, hearing and nutrition programs and even discounts on acupuncture, massage and chiropractic services.
We can help you with your other insurance needs too, including finding the best health insurance companies and the best life insurance, as well as the best dental insurance provider for you and your family. If you have ongoing vision care needs, we have also reviewed the best vision care insurance available now.