BlueEssentialsSM

We offer drug coverage with our new 2014 BlueEssentials health insurance plans. You can check out our BlueEssentials Covered Drug Tool  to see a full list of prescription drugs included.

The BlueEssentials Covered Drug List has four coverage levels, called tiers.

  • Tier 1 – Drugs on this tier are usually generic and will generally cost you the least amount of money out of your pocket.
  • Tier 2 – Drugs on this tier are most often brand drugs, sometimes referred to as “preferred” drugs, because they usually cost you less than other brand drugs. 
  • Tier 3 – Drugs on this tier are most often brand drugs, sometimes referred to as “non-preferred” drugs, because they usually cost you more than other brand drugs. They may have generic equivalents.
  • Tier 4 – These are usually drugs that treat complex conditions and are usually very expensive. You will usually pay more for drugs in this tier.