You'll find many different drug benefit options with our plans. When purchasing a prescription drug, you pay either a designated copay or coinsurance. The cost to you depends on the “level” the drug is assigned to.
You can check your ID card to see your copay or coinsurance for each drug level. Use Rx Search to find your medication's drug level.
Not sure which prescription coverage you have? Log in and check your benefits booklet for complete details.
Or call us at 800-596-3440 so we can help you.
With a four-level drug benefit, your prescription medications fall into one of four categories or “levels.” Each level has a different copay or coinsurance.
A single level drug benefit is usually part of a major medical or HSA-qualified high deductible health plan.
If you have a plan with a single coinsurance, it usually has an upfront combined medical and pharmacy deductible. Once you meet your deductible, you will pay a flat coinsurance for the remainder of the year for your medications.
Use Rx Search to see if your drug is covered or excluded.
* Drugs are placed into each level based on decisions made by our Pharmacy and Therapeutics (P&T) Committee. This team of community doctors and pharmacists meets regularly to collaboratively review the most current medical studies and make updates.
The Select Drug List is a four level benefit that provides access to essential drugs, but does not cover medications that are available over-the-counter or brand-name drugs that have generic alternatives. Examples of excluded drug classes would be cough and cold, antihistamine and heartburn/acid reflux medicines.
Our preventive drug lists are HSA-qualified and provide full coverage to ensure that you have access to those medications that are determined to help keep your condition from getting worse. Deductibles, copays or coinsurances are waived for certain generic medications that treat cardiovascular disease and diabetes.
Consult the HSA Generic Preventive Drug List to see if your drug is included in this benefit.