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Coverage and cost

  • How does a pharmacy plan work?

    When you visit your doctor, he or she may prescribe medicine for you. Here's how the plan works:

    • Take your prescription and member ID card to the pharmacy to get your medicine.
    • The pharmacist fills your prescription and checks with your pharmacy plan to see how much to charge you for your prescription.
    • Because you have a pharmacy plan, you may pay less for your medicine - the amount you pay is called your cost-share. Your pharmacy plan pays the rest.
    • Depending on how your health plan is designed, you may have to pay the full cost at the beginning of your plan year, until you meet your deductible. A deductible is the amount of money that you pay out-of-pocket for covered services, before your plan starts to pay.