Check your Cigna plan details for specifics, as coverage varies widely. Your out-of-pocket costs depend on your plan’s deductible, copay, and coinsurance. If Viagra is covered under your formulary (list of covered drugs), you’ll pay a copay for each prescription. If you haven’t met your deductible, you’ll pay the full cost until you reach that threshold. After meeting your deductible, you’ll typically pay coinsurance – a percentage of the drug’s cost. Your plan’s maximum out-of-pocket expense limits your total yearly spending on covered medications.
Factors Influencing Viagra Costs
Generic sildenafil, the active ingredient in Viagra, is often cheaper than brand-name Viagra. Consider asking your doctor about this alternative. Your prescription’s quantity impacts the overall cost; larger quantities may offer some cost savings per pill. Using a Cigna-preferred pharmacy can lead to lower prices. Explore Cigna’s online tools or member services for detailed cost estimates and pharmacy locator features. Pre-authorization may be required by your plan before covering Viagra, resulting in delays and additional steps.
Managing Your Expenses
Review your Explanation of Benefits (EOB) statements carefully to ensure accuracy of billing. Explore Cigna’s financial assistance programs; some programs may help lower prescription costs. Consider talking to your doctor about alternative treatments if the cost of Viagra is prohibitive. Cigna’s website provides resources to help understand and manage your prescription drug costs.
