Managing Benefits

4 ways to reduce medication costs

Updated April 27, 2026

Medications can be costly, especially for those living with chronic conditions. In order to keep prescription drug costs down for you and your family, it is important to understand your options.

  1. Know Your Coverage. Understanding your plan coverage is important when making cost-effective decisions. Log into myCigna.com under the “Coverage > Pharmacy” tab to learn more about what you pay for generic, preferred and non-preferred brand, and specialty prescriptions.

  2. Go Generic (if possible). Did you know that certain generic preventive medications are available to you at no cost? When prescribed a medication, ask your doctor if there is a similar medicine that may be less expensive or a generic equivalent. For specialty medications, talk to your provider about the possible availability of a biosimilar. New biosimilars are rolling out each year and can provide significant cost-savings for costly medications due to chronic conditions.

  3. Utilize myCigna Resources. There are cost-saving tools at your fingertips when it comes to prescriptions such as:

    • The Cigna 90 Now program. Receive a larger supply of your maintenance medications at a local pharmacy to save time and money. Find pharmacies that offer 90-day fills.
    • The Cigna Home Delivery Pharmacy option. Skip the trip to the pharmacy, save on gas and get a 90-day supply of your maintenance medications delivered right to your door.
    • The Price a Medication tool at myCigna.com under “Find Care & Costs”. A great way to shop for the most affordable option near you.

  4. Use your Cigna ID Card. Be sure to bring your new Cigna ID Card to the pharmacy when picking up a prescription, either a physical card if you have one, or your digital card found at myCigna.com or in the Cigna app. Cigna uses a program called Price Assure, Powered by GoodRx. GoodRx is a prescription drug discount program and by utilizing your Cigna IC card, Cigna’s system compares the price available through your pharmacy benefit to the GoodRx price. You’ll be charged whichever price is lower.

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