Medco is my pharmacy plan, and I have not had too many problems with them. Occasionally, they will deny coverage on a med until the doctor sends a special request. I had Cigna for insurance for past year until I switched back to HMO.
The reason I switched is because the state has not been paying our premiums so Cigna of course does not cover the bills until they receive the premium for the month of the service. If you did not use doctors in their network, costs were considerably higher. Also all of the doctors I see are in the HMO so it just made sense to switch back. My cost were about three times higher with Cigna than the HMO. Otherwise, I found their website to be fairly easy to use. I guess it would just depend on your costs, deductible, out of pocket max, etc.