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.
Drug Category (Tier)
|Any Provider ||CIGNA OAP Network |
|CIGNA Non-OAP 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.