How the Prescription Drug Plan Works

There is no deductible for prescription drug coverage.
Free preventive generic drugs. Eligible preventive generic medications are covered at 100% with no copayments at network pharmacies. Please Note: Generic prescription contraceptives are also fully covered (as are brand-name, contraceptive drugs for which a generic is not available).
Your copay for prescription drugs count toward the same out-of-pocket maximum that applies to other health care expenses in the Simplified Medical Plan;
MRA funds can be used to pay for covered out-of-pocket prescription drug costs;
If you have elected automatic claim payment, at the time of purchase, your MRA funds will automatically be used to offset your out-of-pocket cost after the Plan pays its share of the cost of your medication. If you elected or were automatically assigned the debit card, you may pay your out-of-pocket costs by using the card or your own funds. If you pay out-of-pocket, you can submit a claim form for reimbursement from the MRA. Once your MRA funds are depleted, you can use your HCSA for eligible prescription drug expenses if you elected to participate in the HCSA and have available funds.
If you elected autopay during enrollment and subsequently receive a prescription drug coupon or prescription drug copay assistance card, you have the option to switch to debit card mid-year.
Discounted prices that are available at network pharmacies (you'll generally pay more at an out-of-network pharmacy); if you use an out-of-network pharmacy that does not accept your prescription drug ID card, you will generally pay more and will need to file a claim for eligible reimbursement.
Option of having maintenance prescriptions filled through a convenient mail-order program or at a pharmacy; Maintenance Choice® offers advantageous pricing when you receive 90-day supplies of maintenance medication by mail or pick up your prescription at CVS retail pharmacies, where the same discounts are available;
Traditional (non-specialty) and specialty lists of preferred/covered and excluded drugs; the most recent lists can always be found on the CVS Caremark website; and
Mandatory Generic Drug Program; if you fill a prescription for a brand-name medication when a generic equivalent is available, you will pay the difference in cost between the brand-name drug and generic drug, plus the generic copay.