Cigna’s coverage for erectile dysfunction (ED) medications varies significantly depending on your specific plan. Generally, you’ll find better coverage with plans that include prescription drug benefits.
- Check your plan’s formulary: This document lists covered medications and their cost-sharing levels (copay, coinsurance). Look for medications like Viagra, Cialis, Levitra, or Stendra. Generic options, if available, may be cheaper. Prior authorization may be required: Some plans require pre-approval from your doctor before covering ED medications. This process adds a step but ensures your treatment is deemed medically necessary. Consider alternative treatments: Your plan might cover other ED treatments, such as injections or vacuum erection devices, even if it doesn’t fully cover oral medications. Discuss options with your doctor. Understand your cost-sharing: Your out-of-pocket expenses depend on your plan’s deductible, copay, and coinsurance. Higher deductible plans typically require you to pay more upfront before coverage kicks in.
To determine your exact coverage, review your Cigna plan documents carefully, or contact Cigna’s customer service. They can provide a personalized explanation of your benefits and the process for obtaining ED medications.
Contact your doctor: Discuss your ED symptoms and explore treatment options. Your physician can help you determine the most suitable medication and guide you through the insurance process. Review your Explanation of Benefits (EOB): After receiving treatment, carefully examine your EOB to understand the charges and payments related to your ED medications.
Remember, obtaining accurate information about your specific plan is paramount. Don’t hesitate to contact Cigna directly for clarification.
