What pharmacies take Cigna? Cigna members can fill prescriptions at a wide range of in-network pharmacies, including major chains and mail-order services.
This article explains how to find these pharmacies, what’s covered, and tips to maximize your benefits.
Understanding Cigna Insurance
Cigna Healthcare offers health plans for individuals, families, and Medicare recipients. Its pharmacy benefits are managed through subsidiaries like Express Scripts. What pharmacies take Cigna depends on your specific plan and location.
In-network pharmacies offer lower copays and seamless coverage. Staying in-network saves money and simplifies the process. Always check your plan details for specifics.
Cigna’s Pharmacy Network
Cigna partners with thousands of pharmacies nationwide. Major chains like Walgreens, Rite Aid, and CVS are often in-network.
What pharmacies take Cigna also includes independent pharmacies in the Express Scripts network.
Members can access the 2025 pharmacy directory on cigna.com. This lists all participating pharmacies by state. Using in-network options ensures affordable prescriptions.
Major Pharmacy Chains Accepting Cigna
Many well-known pharmacies accept Cigna insurance. These include:
- Walgreens: A preferred network pharmacy for many Cigna Medicare plans.
- CVS: Accepts Cigna but may be out-of-network for medical benefits at retail locations.
- Rite Aid: Widely available in Cigna’s network for prescriptions.
- Walmart: Offers competitive pricing for Cigna members.
- Safeway: Participates in many regions for prescription coverage.
Always verify with the pharmacy before filling prescriptions.
Table: Cigna Pharmacy Options and Features
| Pharmacy Type | Key Features | Cost Level |
|---|---|---|
| Kaiser Permanente | Lowest copays, free shipping for most | Lowest |
| Express Scripts Network | Walgreens, CVS, Rite Aid, Walmart | Moderate |
| MinuteClinic (CVS) | Vaccinations, minor care, plan-dependent | Standard copays |
| Out-of-Network | Full price, possible reimbursement | Highest |
This table compares pharmacy options for Cigna members.
Express Scripts Home Delivery
Cigna’s Express Scripts Pharmacy offers home delivery for prescriptions. Members can order up to a 90-day supply with free standard shipping. This is ideal for maintenance medications.
Sign up via myCigna.com or call 1-800-835-3784 to start. Express Scripts can contact your doctor for prescriptions. This saves time and trips to the pharmacy.
MinuteClinic and Cigna Coverage
CVS MinuteClinics accept Cigna for services like vaccinations and minor illness treatment. These are covered under medical benefits, not pharmacy benefits. Copays vary by plan.
Retail CVS pharmacies may be out-of-network for medical services like vaccines. Visit a MinuteClinic or HealthHub for in-network coverage. Confirm with Cigna before visiting.
Out-of-Network Pharmacies
Out-of-network pharmacies may accept Cigna, but costs are higher. Members pay full price upfront and may seek reimbursement. Reimbursement depends on your plan’s copayment or deductible rules.
Using in-network pharmacies like Walgreens avoids these hassles. Check the Cigna pharmacy directory for participating locations. This keeps costs low and claims simple.
How to Find Pharmacies that Take Cigna
To find what pharmacies take Cigna, visit cigna.com and use the pharmacy directory. Enter your zip code to see nearby options. The myCigna app also lists in-network pharmacies.
Call 1-800-997-1654 for assistance with Medicare plans. For commercial plans, contact Express Scripts at 1-800-922-1557. Have your member ID ready for quick help.
Verifying Prescription Coverage
Cigna covers FDA-approved drugs prescribed by a healthcare professional. Use the Prescription Drug List Search Tool on cigna.com to check coverage. Some drugs require prior authorization.
In-network pharmacies ensure coverage without delays. Out-of-network claims may face limitations. Always confirm with your pharmacy or Cigna for clarity.
Specialty Pharmacy with Accredo
Cigna’s Accredo specialty pharmacy handles complex medications. These include drugs for conditions like multiple sclerosis or rheumatoid arthritis. Accredo delivers to your chosen location.
Kaiser insurance at CVS may not cover specialty drugs. Contact Accredo through myCigna.com for support. Prior authorization may be needed for coverage.
Vaccinations and Cigna
Cigna covers vaccinations like flu shots at in-network pharmacies. Walgreens, Rite Aid, and Walmart are common options. CVS MinuteClinics are in-network for vaccines, unlike retail CVS pharmacies.
Present your Cigna ID card at the pharmacy. Copays depend on your plan. Verify coverage to avoid out-of-pocket costs.
Regional Variations
Cigna’s pharmacy network varies by state. For example, some New Jersey members report CVS or Walgreens exclusivity for maintenance drugs. Check your regional pharmacy directory for details.
Call Cigna’s customer service for state-specific information. This ensures you use participating pharmacies. Regional rules may affect copays or coverage.
Cost-Saving Tips
To save money with what pharmacies take Cigna, try these tips:
- Use Express Scripts home delivery for 90-day supplies.
- Choose in-network pharmacies like Walgreens or Rite Aid.
- Check the Prescription Drug List for covered medications.
- Verify MinuteClinic coverage for vaccinations or minor care.
These steps reduce costs and streamline care.
Using the myCigna App
The myCigna app helps manage pharmacy benefits. Members can find in-network pharmacies, order refills, and check drug coverage. Download it from your device’s app store.
The app also offers 24/7 support and tracks prescription status. It’s a convenient way to handle what pharmacies take Cigna. Activate your account for full access.
Challenges with Cigna Pharmacies
Some members face issues with pharmacy networks. For example, a 2024 Reddit post noted Cigna’s “choice” between CVS or Walgreens, but not both. This can limit options in some areas.
If a pharmacy denies coverage, try another in-network location. Contact Cigna or Express Scripts for resolution. Kaiser pharmacies are typically the most reliable.
Transition of Care
New Cigna members with ongoing prescriptions may qualify for transition care. This allows temporary fills at pharmacies like CVS during plan changes. Contact Cigna to arrange this.
Your doctor can coordinate with Cigna for approvals. This ensures uninterrupted medication access. Verify pharmacy participation before filling.
Limitations of Cigna Pharmacy Benefits
What pharmacies take Cigna has some limitations. Out-of-network pharmacies require upfront payment and reimbursement claims. Not all CVS locations are in-network for medical services.
Some drugs need prior authorization, delaying fills. Maintenance drugs may be restricted to Express Scripts or specific chains. Check your plan for exclusions.
Future of Cigna Pharmacy Services
Cigna is expanding its pharmacy network for 2025. More Walgreens and Rite Aid locations may join as preferred pharmacies. Express Scripts home delivery will see enhanced digital tools.
Member feedback drives these improvements. Cigna aims to make prescriptions more accessible. Expect broader coverage and easier pharmacy access.
Summary
What pharmacies take Cigna? Cigna members can use in-network pharmacies like Walgreens, Rite Aid, and CVS, plus Express Scripts home delivery.
MinuteClinics at CVS cover vaccinations and minor care, but retail CVS may be out-of-network for medical services. Staying in-network saves money and simplifies claims.
The myCigna app and pharmacy directory help locate participating pharmacies. Specialty drugs are handled by Accredo, and prior authorization may apply. By using Cigna’s tools, members can access affordable, convenient pharmacy services.
FAQ
What pharmacies take Cigna for prescriptions?
Walgreens, Rite Aid, Walmart, and some CVS locations accept Cigna through the Express Scripts network. Use the pharmacy directory on cigna.com to confirm. Call 1-800-922-1557 for help.
Does CVS accept Cigna for vaccinations?
CVS MinuteClinics accept Cigna for vaccinations and minor care. Retail CVS pharmacies may be out-of-network for medical benefits. Verify coverage before visiting.
Can I use Express Scripts home delivery?
Yes, Express Scripts delivers up to a 90-day supply with free shipping. Order via myCigna.com or call 1-800-835-3784. It’s ideal for maintenance medications.
What if a pharmacy denies my Cigna insurance?
Try another in-network pharmacy like Walgreens or Rite Aid. Contact Express Scripts at 1-800-922-1557 for assistance. Verify the pharmacy’s network status.
Are specialty drugs covered at CVS?
Specialty drugs are typically handled by Accredo, not CVS. Contact Accredo via myCigna.com for delivery. Prior authorization may be required.