Health Benefits

With the Anthem, Aetna and UnitedHealthcare plans you receive prescription drug benefits administered by Express Scripts.

Under the HSA-eligible plans:

• Preventive drugs are subject to coinsurance but not the healthcare deductible
• You are responsible for paying your non-preventive prescription drug expenses until you satisfy the healthcare deductible; then the plan will begin paying the applicable coinsurance

Under the non-HSA plans:

• All drugs are subject to coinsurance but not the healthcare deductible

Some cost savings options to keep in mind when filling your prescriptions:

• The type of drug you purchase:
  • Generic (least expensive)
  • Preferred brand name drug on the plan's preferred list (more expensive)
  • Non-preferred brand name drug (most expensive)
• When a generic drug is available and the preferred or non-preferred brand is purchased you will pay the applicable brand coinsurance plus the difference in cost between the brand and the generic. Be sure to ask your doctor to prescribe a generic drug whenever it is appropriate.
• Where you buy your prescription—If you take a medication regularly for a condition such as high blood pressure or diabetes, you can save money by purchasing up to a 90-day supply of those medications through Express Scripts mail order. Using Express Scripts mail order is convenient and helps avoid paying more for your prescriptions. If you choose to purchase your maintenance medications at a retail pharmacy, the cost for a 30-day supply will increase after the second fill at your local pharmacy.

Express Scripts may make changes to the drug formulary list during the plan year. Visit Express-Scripts.com or contact Express Scripts via the Kindred Benefits Marketplace Call Center at 800.991.6171 to verify changes. For more information about your prescription drug benefits, click here.