Drug Card Plans

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Drug Card plans make it easy for you to get the prescriptions you need. When you use a network pharmacy, you don’t have to file claims or wait for reimbursement. You pay the pharmacy the final amount due from you for your prescriptions. The pharmacist uses a computer to check your benefits and tell you the amount you must pay. You pay the lower of the pharmacy’s price, our special discounted price or the copayment or coinsurance that applies to your prescription.

With most Drug Card plans, the amount you owe is based on your drug's status on our Preferred Drug List and on your plan's benefits. Most Drug Card plans are divided into three tiers. You pay the copayment or coinsurance amount that applies to your drug’s tier. Tier 1 drugs are generic drugs. Tier 2 drugs are preferred brand-name drugs. Tier 3 drugs are non-preferred and will usually cost you more. To find the tier for your drug, enter the drug's name in our drug lookup tool. (This link leads to a third party website. Caremark, an independent company, is solely responsible for the contents and privacy policy on its site.)

Some Drug Card plans also combine the amounts you pay for your prescriptions with the amounts you pay for any medical care you receive. When you satisfy your deductible, the pharmacy will collect any copayment or coinsurance due from you. When you satisfy your out-of-pocket maximum, you will no longer pay for prescriptions for the remainder of your plan year. And if we administer your Health Reimbursement Account, we may submit your claim for reimbursement for you, depending on your benefits.

If you don’t use a network pharmacy for your prescriptions or you don’t show your ID card, we may only reimburse you the amount you would have paid at a network pharmacy, even if you paid more than the network pharmacy price. You will also have to complete a prescription drug claim form and attach your prescription receipt(s) in order to receive reimbursement.  

Not sure which plan applies to you?

Log into My Health Toolkit® for personal information about your prescription drug coverage.