If you require a prescription while in the U.S., you must use your Cigna ID card, which contains the following information required by pharmacies to process your order.

  • Rx BIN 017010
  • Rx Issuer (80840)
  • Rx PCN 02160000

In the Cigna network of U.S. pharmacies, if you do not use your card at the time of purchase, you will only be reimbursed up to 50% of the retail price, when you submit your claim.

Please note that you are limited to a 30-day drug supply from the retail network pharmacy.

Prescription Drugs

 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 you 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 drug formulary reference 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)*

    90% No copay No coverage

    Preferred Brand (Tier 2)**

    90% $25/Rx copay No coverage

    Non-Preferred Brand (Tier 3)***

    90% $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

CIGNA Tel-Drug website is not currently working. Please call Cigna Tel-Drug at 1-800-TEL.DRUG or at 1-800-835-3784 to order a new or refill your prescription drugs. We apologize for this inconvenience.

If you are in the United States, you are limited to a 30-day drug supply from your retail pharmacy. For a 90-day supply, you must request a mail order from the Cigna Tel-Drug Home Delivery Pharmacy Program. Please note that this home delivery program will not mail drugs to an address outside of the United States

To use this service, you will need to know your Cigna ID card number, date of birth and relevant prescription drug information.


To enroll in the U.S. home delivery pharmacy program with Tel-Drug:
  1. You must submit your first prescription drug order by mail to: CIGNA Tel-Drug, PO Box 1019, Horsham, PA 19044. You will need to complete an order form from Cigna Tel-Drug. It is recommended that you establish your account as soon as possible with Cigna Tel-Drug as it can take up to 14 days to process your order.
  2. Mail the order form with a copy of your Cigna ID card, doctor’s original prescription, and copayments.
  3. Copayments can be made by check, money order, or credit card.
  4. The following information will help you in completing the order form and determining the amount of the copayment that you will need to submit with your order.
  • Specify your nine-digit member Cigna ID number using the following the format: If the Cigna ID number is 217/12345 on your card, then the ID number on the form will be 217012345 (note: the slash [“/”] is replaced with the number “0”).
  • Write your name, ID number and date of birth on the backside of your prescription.
  • The amount of your copay is based on the category (tier) that your drug is in. The copays for each of the three tiers are listed in the chart below.

To order a new prescription drug after you are enrolled in the pharmacy program, ask your doctor to fax a copy of your prescription directly to Cigna Tel-Drug using the physician-only fax number. Your doctor can obtain this physician-only number by contacting Cigna Tel-Drug at 1-800-TEL-DRUG or at 1-800-835-3784. If your doctor is not able to fax this information for you, you will need to complete another order form to send by mail.


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


To order a drug refill or check drug order status, contact Cigna Tel-Drug at 1-800-TEL.DRUG or at 1-800-835-3784. To expedite service, please provide your nine or 11-digit Cigna ID number*, date of birth, and relevant prescribed drug information to the customer representative.

*To convert the nine-digit ID number to an 11-digit number, follow the format below:
  • If your Cigna ID is 217/12345, then your member ID will be as shown below (note: the slash [“/”] is replaced with the number “0”). Then add two digits as a suffix: 01 for plan member, 02 for spouse, 03 for dependents and onwards for children from oldest to youngest:
  • Plan member   21701234501
  • Spouse              21701234502
  • Oldest child       21701234503
  • Younger child    21701234504

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 drug formulary 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.