To search for a specific drug and its tier category (i.e., generic, preferred, or non-preferred brand), use Cigna’s prescription drug list.
To obtain drugs from the U.S. pharmacies, show your Cigna insurance card that indicates the RX issuer, Rx Bin and RX PCN number for your order.


 Coverage

All active, bridging and retiree participants are eligible for the prescription drug benefit.

Your medical card will serve as your drug card.

For outpatient prescription drugs received outside the United States and inpatient drugs received anywhere, claims are reimbursed by Cigna and treated the same as any other Plan expense. Submit your prescription drug claim electronically from your Cigna personal webpage account or by post mail. For information on submitting prescription drug claims to Cigna, please refer to the claim procedure.

For outpatient prescription drugs received in the United States, you must use a pharmacy in Cigna’s network of U.S. pharmacies. Most national pharmacies are in Cigna’s network. You will be required to present your Cigna ID card to the network pharmacist and pay your copay when obtaining prescriptions. If you do not use your card at the time of purchase, you will not receive the full amount of your reimbursement when you submit your claim because you will be charged the retail price rather than the Plan’s discounted price. 

You will pay a copayment each time a prescription is filled, and the copay amount depends upon whether your physician prescribes a generic drug, a preferred brand drug, or a non-preferred brand drug.

 U.S. Retail Pharmacy

For prescription drugs purchased in the United States, you must use a pharmacy in Cigna’s network of U.S. pharmacies. Most major pharmacies are in Cigna’s network. You are limited to a 30-day drug supply from the retail network pharmacy. For a 90-day supply, you will need to order prescription drugs from a mail order service program. Please note that prescriptions cannot be mailed to an address outside the United States, and AIARC cannot act as the recipient of mail order drugs.

Always present your Cigna ID card to the pharmacy when obtaining your prescription drugs in the United States. Your ID card contains important information, such as the RX issuer (80840), Rx Bin 017010, and RX PCN 02160000, that is required by a pharmacy to process your order. Please note that if you do not use your card at the time of purchase, you will only be reimbursed up to 50% of the retail price.

You must pay your copay when obtaining your prescription. After you pay the applicable copay, Cigna will cover 100% of the drug costs. Your copays do not count toward the Plan’s Annual Deductible, Annual Maximum, Coinsurance and Out-of-Pocket (OOP) Limits.

To search for a specific drug and its tier category (i.e., generic, preferred, or non-preferred brand), use Cigna’s prescription drug list.

The following chart provides the basic design of drug costs when purchasing at a retail pharmacy.

    Prescription Drugs
    Retail — 30 Day Supply

    Care Received Outside of U.S.

    Care Received in U.S.

    Drug Category (Tier)

    Any Provider CIGNA OAP Network
    (In-Network)
    CIGNA Non-OAP Network
    (Out-of-Network)
    Pays 100% after:

    Generic (Tier 1)*

    Reimbursed at 90% with no deductible
    No copay No coverage

    Preferred Brand (Tier 2)**

    Reimbursed at 90% with no deductible
    $25/Rx copay No coverage

    Non-Preferred Brand (Tier 3)***

    Reimbursed at 90% with no deductible
    $80/Rx copay No coverage

*Tier 1 — Generic is equivalent to brand name drugs that can be purchased at discount.
**Tier 2 — Brand name drugs that can be purchased at discount.
***Tier 3 — Brand name drugs that are not discounted by drug manufacturer.

 U.S. Mail Order

If you are in the United States, you are limited to a 30-day drug supply from your retail pharmacy. You are able to refill up to 90-day drug supply of your medication using the Cigna Home Delivery Pharmacy. Please note that this home delivery program will not mail drugs to an address outside of the United States. To learn more about the Cigna Home Delivery Pharmacy services, call 1 (800) 835-3784.

To transfer your prescription to Cigna's Home Delivery Program, you will need to provide your name, Cigna ID card number, date of birth and relevant prescription drug information. To search for a specific drug and its tier category (i.e., generic, preferred, or non-preferred brand), go to Cigna’s prescription drug list.

The following chart provides the basic design of drug costs when orders are received by mail versus purchases made at the pharmacy.


    Prescription Drugs
    Costs in the U.S.

    Mail Order
    90 Day Supply

    Retail Pharmacy
    30 Day Supply

    Drug Category (Tier)

    CIGNA OAP Network
    (In-Network)
    CIGNA OAP Network
    (In-Network)
    CIGNA Non-OAP Network
    (Out-of-Network)

    Generic (Tier 1)*

    No copay No copay No coverage

    Preferred Brand (Tier 2)**

    $50/Rx copay
    $25/Rx copay No coverage

    Non-Preferred Brand (Tier 3)***

    $160/Rx copay
    $80/Rx copay No coverage

*Tier 1 — Generic is equivalent to brand name drugs that can be purchased at discount.
**Tier 2 — Brand name drugs that can be purchased at discount.
***Tier 3 — Brand name drugs that are not discounted by drug manufacturer.

 Frequently Asked Questions

This section provides you with answers to the most frequently asked questions about the Prescription Drug Plan.

Do the prescription drug copayments made for purchases in the United States apply toward my annual medical deductible or yearly out-of-pocket maximum?
No. After you pay the applicable copay, Cigna will cover 100% of the drug costs. Your copays do not count toward the Plan’s annual deductible, annual maximum, coinsurance, or out-of-pocket (OOP) limits.

If I know the brand name of my drug, where can I find information about generic equivalents?
You can call a representative at 1-866-253-3003 or you can search for the brand name drugs using Cigna's prescription drug list.

Why do I need to use my Cigna card when purchasing drugs?
To receive discounted prices, you must use your Cigna card, which contains the information (RX bin, issuer, PCN and reference number) required by U.S. pharmacies.

Can I have my medicine mailed to me outside of the United States?
No. Drugs cannot be mailed to an address outside of the United States, and AIARC cannot act as the recipient of mail order drugs.