Prescription drug program at a glance

Prescription drug program at a glance

Plan features HRA Plus HSA Base HRA Value
In-network Out-of-network In-network Out-of-network In-network Out-of-network
30-day supply through retail or mail order
Preventive* No copay 50% after deductible 0%, no deductible 50% after deductible No copay 50% after deductible
Generic $15 copay 50% after deductible 20% after deductible 50% after deductible $15 copay 50% after deductible
Preferred brand 30% up to $125 max 50% after deductible 30% after deductible
(up to $125 max)
50% after deductible 30% up to $125 max 50% after deductible
Non-preferred brand 40% up to $225 max 50% after deductible 40% after deductible
(up to $225 max)
50% after deductible 40% up to $225 max 50% after deductible
Accredo Specialty Pharmacy
Specialty
(limited to a 30-day supply)
40% up to $225 max 50% after deductible 40% after deductible
(up to $225 max)
50% after deductible 40% up to $225 max 50% after deductible
90-day supply through retail or mail order
Preventive No copay 50% after deductible 0%, no deductible 50% after deductible No copay 50% after deductible
Generic $37 copay 50% after deductible 20% after deductible 50% after deductible $37 copay 50% after deductible
Preferred brand 30% up to $312 max 50% after deductible 30% after deductible (up to $312 max) 50% after deductible 30% up to $312 max 50% after deductible
Non-preferred brand 40% up to $562 max 50% after deductible 40% after deductible (up to $562 max) 50% after deductible 40% up to $562 max 50% after deductible
Generics first

Generics first

Generic drugs usually cost less than brand name drugs.

Generic drugs are reviewed by the FDA to ensure that they work the same as the brand-name drug in dosage, safety, quality, performance, strength and usage.

To help keep prescription drug costs in check, prescriptions are automatically filled with a chemically equivalent generic drug, if available and appropriate. If you choose a brand drug when a generic is available, you will pay the difference between the brand medication and the generic, plus the coinsurance. However, if your doctor indicates “Dispense as Written” on your prescription because the brand is medically necessary, you will receive the brand drug and only pay the brand copay.

Note: If you choose a brand drug when a generic is available, you will pay the difference between the brand medication and the generic, plus the coinsurance.

Preferred brand drugs

Brand-name drugs on the preferred list are less expensive than using a non-preferred drug.

Non-preferred brand drugs

Brand-name drugs that are not on your preferred list may cost you more, even if they are recommended by your doctor.

Maintenance medications

Maintenance medications

Long-term medications, also known as maintenance drugs, are taken on a regular basis (three months or longer) to treat conditions such as high cholesterol, high blood pressure and asthma.

Maintenance medications are filled through Cigna 90 Now.

Cigna 90 Now

Specialty drugs

Specialty drugs

A specialty drug is a medication used to treat chronic, complex conditions like multiple sclerosis, hepatitis C and cancer. Specialty medications can include oral solids, or can be injected, infused or inhaled and may require special handling, such as refrigeration.

Accredo Specialty Pharmacy

Preventive medications

Preventive medications

There is no cost for medications on Cigna’s No Cost-Share Preventive Medication (ACA) list for all plan participants.

Additionally, for HSA Base Plan participants, when you purchase other preventive medications listed on Cigna’s 2022 Preventive Generics and Preferred Brands Drug list, you will pay 20% coinsurance, but no deductible applies.

Need assistance?

Cigna

800.244.6224
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Group Number 3339080

Maintenance medications

You must fill maintenance medication prescriptions in a 90-day supply through Cigna 90 Now.

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