Coverage and cost
What's the difference between a pharmacy that is in my network and one that is out-of-network?
Your pharmacy plan works with pharmacies all across the country to create a network. A network is a large group of pharmacies that have contracts with an insurance plan to offer covered products and services at a lower rate to insurance plan members.
- Pharmacy networks are usually very large and include major chain pharmacies as well as local independent pharmacies.
- You can also use an out-of-network pharmacy, but your plan might not pay for your prescriptions. This means your medicine may cost you more. In some cases, your plan might pay for part of your prescription, but you would have to file a claim for reimbursement.