Prescription Drugs

The Core PPO, Buy-Up PPO, and High Deductible Health plans include prescription drug coverage.

If you sign up for the Minimum Coverage or Enhanced Minimum Coverage plans, you’ll automatically be signed up for the Neighborhood Pharmacy discount program that offers discounts on prescription drugs.

Core PPO, Buy-Up PPO, and HDHP plans


The prescription drug plan—administered by Express Scripts—covers a long list of FDA-approved drugs. To be covered, prescriptions must be ordered by a doctor and filled/refilled within one year of the original prescription date (or as permitted by law). To see which drugs are covered under this plan, download the Express Scripts Preferred Drug List & Exclusions.

How it works

Present your prescription drug ID card at a participating retail pharmacy or through the Express Scripts Pharmacy for mail order, and you’ll pay the prices below. To find an Express Scripts pharmacy, go to www.express-scripts.com, or call 877-680-7793.

What you pay

Retail Pharmacy
30-Day Supply
Core PPO
Generic drugs $10 copayment
Preferred brand-name drugs $35 copayment
Nonpreferred brand-name drugs $55 copayment
Buy-Up PPO
Generic drugs $10 copayment
Preferred brand-name drugs $35 copayment
Nonpreferred brand-name drugs $55 copayment
HDHP
Generic drugs You pay 25% after deductible
Preferred brand-name drugs You pay 25% after deductible
Nonpreferred brand-name drugs You pay 25% after deductible
Mail Order
Up to a 90-Day Supply
Core PPO
Generic drugs $25 copayment
Preferred brand-name drugs $88 copayment
Nonpreferred brand-name drugs $138 copayment
Buy-Up PPO
Generic drugs $25 copayment
Preferred brand-name drugs $88 copayment
Nonpreferred brand-name drugs $138 copayment
HDHP
Generic drugs You pay 25% after deductible
Preferred brand-name drugs You pay 25% after deductible
Nonpreferred brand-name drugs You pay 25% after deductible

Save money on prescriptions

  • Mandatory mail order after two refills. To help you save on maintenance medications (drugs you take for ongoing conditions, such as high blood pressure, asthma, or allergies), the plan includes a mandatory mail order feature. This means you can get an initial 30-day supply of your prescription, plus two refills at a retail pharmacy, and pay only the retail copayment. After that, you’ll need to make a choice: Transfer your prescription to mail order and pay less per pill for a 90-day supply (and get free standard shipping), or refill at a retail pharmacy and pay the full cost.
  • Ask for generics. If you're taking a brand-name drug, talk to your doctor and ask if a generic drug could treat your condition. FDA-approved generics are as safe and effective as their brand-name counterparts; they just cost less because more than one company can manufacture them. If your doctor agrees a generic drug is right for you, ask for a new prescription for the generic drug.

Minimum Coverage and Enhanced Minimum Coverage plans

Because these plans are considered limited coverage insurance plans, they don’t include prescription drug coverage. But they do offer a discount program for prescription drugs through the Neighborhood Pharmacy discount program, which saves you 10% to 85% on most prescriptions.

How it works

Go to www.RxPriceQuotes.com to look up your drug, find a participating pharmacy near you, and see the discounted cost. When you pick up your prescription, the pharmacy will calculate the discount, and you’ll pay the discounted price.

More than 60,000 pharmacies across the country participate in the Neighborhood Pharmacy discount program, so you’re likely to find one near you.

Pharmacy discounts are not insurance and are not intended as a substitute for insurance. The discount is only available at participating pharmacies.