Medicare Prescription Drug Plan Benefit Details in Plain Text |
The following Medicare Prescription Drug plan (PDP) benefits apply to the Cigna Healthcare Saver Rx (PDP) (S5617 - 354) in CMS Region 4, which includes all counties in NJ. This plan is administered by MEDCO CONTAINMENT LIFE AND MEDCO CONTAINMENT NY, a national plan provider. This means that the insurance carrier offers Medicare Part D plan in most every state. To switch to a different Medicare Prescription Drug plan or to change your location, click here. |
Click here to see the Cigna Healthcare Saver Rx (PDP) prescription drug benefit details in chart format
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Plan Premium |
The Cigna Healthcare Saver Rx (PDP) has a monthly premium of $9.90. That is $118.80 for 12 months. There are a few factors that can increase or decrease this premium. If you qualify for extra help, your premium will be lower. If you have a premium penalty, your premium will be higher. Or if you have a higher income you would be subject to the Income Related Adjustment Amount (IRMAA). |
Plan Membership and Plan Ratings |
The Cigna Healthcare Saver Rx (PDP) (S5617 - 354) in CMS Region 4 currently has 10,671 members, and 296,439 members in the Cigna Healthcare Saver Rx (PDP) nationwide. |
The Centers for Medicare and Medicaid Services (CMS) has given this plan carrier a summary rating of 2.5 stars. The detail CMS plan carrier ratings are as follows:
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Prescription Drug Coverage: Deductible, Cost-sharing, Formulary |
This plan has a $590 deductible. However, formulary drugs on Tier 1 and 2 are excluded from the $590 deductible and have first dollar coverage (or a $0 deductible). So, you are 100% responsible for the first $590 in medication costs for drugs not on the excluded tiers. After you have met the deductible, the Cigna Healthcare Saver Rx (PDP) will share the costs of your medications with you -- see cost-sharing below. $590 is the maximum deductible for 2025. There are other plans with a lower deductible or even a $0 deductible for all formulary drugs. Click here to review plans with a $0 deductible. |
The following information is about the Cigna Healthcare Saver Rx (PDP) formulary (or drug list). There are 3277 drugs on the Cigna Healthcare Saver Rx (PDP) formulary. The Cigna Healthcare Saver Rx (PDP) does offer a mail order service. Click here to browse the Cigna Healthcare Saver Rx (PDP) Formulary. |
The Initial Coverage Phase (ICP) can be thought of as the cost-sharing phase of the plan. During this phase, you and the insurance company share your prescription costs. Once you have spent $590, your initial coverage phase will start. All medication are divided into tiers within the plans formulary. This helps the plan to organize and manage the prescription cost-sharing. The Cigna Healthcare Saver Rx (PDP)’s formulary is divided into 5 tiers. Every plan can name their tiers differently, and can place medications on any tier. The cost-sharing for this plan is divided as follows:
Click here to browse the Cigna Healthcare Saver Rx (PDP) Formulary. |