For me, it looks like it’s going to be ~$15/month to get nothing (except future options to pay a basic premium without a late sign up percentage penalty)
Annual Enrollment closes December 7. Coverage for 2024 plans begins January 1.
Cigna Saver Rx (PDP)
Monthly Premium
$16.80
Drug Type Preferred Home Delivery
90-day supply Preferred In-Network
30-day supply Standard In-Network
30-day supply
Tier 1: Preferred Generic $0.00 $0.00 $10.00
Tier 2: Generic $6.00 $6.00 $20.00
Tier 3: Preferred Brand 19% 19% 20%
Tier 4: Non-Preferred Drug 50% 50% 50%
Tier 5: Specialty Tier N/A 25% 25%
Aetna SilverScript SmartSaver (PDP) S5601-186
Monthly Premium
$13.30
Tier 1 & Tier 2 $0/$5/$8/$12/$15 co-pays
Tier 3: Preferred Brand 24%
Tier 5: Specialty Tier 29%
SilverScript Plus (PDP) S5601-023
Monthly Premium
$101.80
[essentially]
Tier 1 & 2 $0 co-pay
Tier 3: Preferred Brand $47 co-pay/30-day supply
Tier 5: Specialty Tier 30%
The Aetna SilverScript SmartSaver formulary doesn’t have in my opinion a lot of Tier 3 drugs.
So is Aetna or Cigna better at approving Tier 4 & Tier 5 drugs without undue delay & hassle?