Reducing the total cost of care

The rise in drug costs is alarming, but if you focus only on the unit cost of the drug you could be missing the bigger picture – total health care costs.

While many stand-alone PBMs focus on the unit cost of the drug, Cigna integrates medical, pharmacy, and behavioral benefits to drive to the lowest total health care cost, while providing whole-person support for customers. In fact, at 3.6%, Cigna’s Medical Cost Trend is the best in the industry and it has been for eight years running.1

We are lowering trend through active, continuous review of data across benefits – year over year. With claims and results data for millions – and a billion customer touch points each year, we are able to take meaningful actions and develop effective solutions. In addition, we connect our customers with chronic condition and behavioral support to help avoid in-patient hospitalizations and emergency room visits.

With Cigna’s benefits, we are uniquely able to use advanced analytics, real-time data, and a whole person view to drive better outcomes and total medical costs – not just drug costs.

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  1. Cigna drug trend synergies study, March, 2019. Comparison of expected drug trend for 24-month period pre and post combination, based on current integration plan.

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Health benefit plans vary, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy and medically necessary. Some plans require use an in-network pharmacy for prescriptions to be covered. Coverage is subject to any plan deductible, copayment and/or coinsurance requirements. Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and complete details of prescription drug coverage, contact a Cigna representative.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, (CHLIC), Cigna Behavioral Health, Inc., Cigna Health Management, Inc., Accredo Health Group, Inc., Express Scripts, Inc., ESI Mail Pharmacy Service, Inc., Express Scripts Pharmacy, Inc., Tel-Drug, Inc., Tel-Drug of Pennsylvania, L.L.C., Lynnfield Drug, Inc., and HMO or service company subsidiaries of Cigna Health Corporation. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC). The Cigna name, logo, and other Cigna marks are trademarks of Cigna Intellectual Property, Inc. "Express Scripts" is a trademark of Express Scripts Strategic Development, Inc. This newsletter is not intended for residents of New Mexico.

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