Prescription Drug
Last Updated February 27, 2024
Medical & Prescription Drug Benefits (05:49)
Overview
All four National Medical Program options include prescription drug coverage through CVS Caremark. (If you elect a regional medical option, prescription drug coverage is provided through the medical vendor — not CVS Caremark. If you have questions about prescription drug coverage, please contact the applicable medical vendor.)
Good News About Your Prescription Drug Benefits!
Starting April 1, 2024, the CVS Caremark Maintenance Choice® program will include more participating pharmacies. That means more locations where you can fill certain maintenance medications.
In addition to CVS Pharmacy, participating pharmacies will include:
- Kroger stores (Mariano’s, Ralphs, Fred Meyer, QFC and more)
- Costco
- Select independent pharmacies
Maintenance medications are those you take daily for a prolonged period (e.g., blood pressure and cholesterol medications).
Prescription Drug Options
CVS Caremark
1-866-273-8402
CVS/caremark app
Rx Savings Solutions
1-800-268-4476
Rx Savings Solutions app
PrudentRx Copay Program
1-800-578-4403
PrudentRx app
Generic |
Brand Formulary |
Brand Non-Formulary |
Specialty |
HSA Advantage Prescription Drug |
Copay Advantage Prescription Drug |
Retail & Mail Order:20% after deductible |
Retail: Mail Order:20% ($25 min/$100 max); |
Retail & Mail Order:30% after deductible |
Retail:30% ($40 min/$75 max); Mail Order:30% ($100 min/$185 max); |
Retail & Mail Order:40% after deductible |
Retail40% ($55 min/$125 max); Mail Order:40% ($140 min/$315 max); |
Retail & Mail Order:30% after deductible |
Retail:If not covered by PrudentRx: If covered by PrudentRx: Mail Order:More than 30-day supply not allowed |
HSA Value Prescription Drug |
Copay Value Prescription Drug |
Retail & Mail Order:25% after deductible | Retail:20% ($10 min/$45 max); no deductible Mail Order:20% ($25 min/$115 max); no deductible |
Retail & Mail Order:40% after deductible | Retail:40% ($40 min/$100 max); no deductible Mail Order:40% ($40 min/$250 max); no deductible |
Retail & Mail Order:50% after deductible |
Retail:50% ($75 min/$150 max); Mail Order:50% ($185 min/$375 max); |
Retail & Mail Order:50% after deductible |
Retail:If not covered by PrudentRx: Mail Order:More than 30-day supply not allowed |
HSA AdvantagePrescription Drug | Copay AdvantagePrescription Drug |
GenericRetail & Mail Order: |
GenericRetail: Mail Order: |
Brand FormularyRetail & Mail Order: |
Brand FormularyRetail: Mail Order: |
Brand Non-FormularyRetail & Mail Order: |
Brand Non-FormularyRetail: Mail Order: |
SpecialtyRetail & Mail Order: |
SpecialtyRetail: If covered by PrudentRx: |
HSA ValuePrescription Drug | Copay ValuePrescription Drug |
Generic |
Generic |
Retail & Mail Order: 25% after deductible |
Retail: 20% ($10 min/$45 max); no deductible Mail Order: |
Brand Formulary |
Brand Formulary |
Retail & Mail Order: 40% after deductible |
Retail: 40% ($40 min/$100 max); no deductible Mail Order: |
Brand Non-Formulary |
Brand Non-Formulary |
Retail & Mail Order: 50% after deductible |
Retail: 50% ($75 min/$150 max); no deductible Mail Order: |
Specialty |
Specialty |
Retail & Mail Order: 50% after deductible |
Retail: If not covered by PrudenRx: $210; no deductible If covered by PrudentRX: Mail Order: |
What You Need to Know
- You don’t have to fill your prescription at CVS. Find local pharmacies in your network by registering online or by downloading the CVS/caremark app to access the pharmacy search tool.
- Generic cholesterol and blood pressure medications, as well as diabetes supplies and insulin listed on the CVS formulary, are 100% covered.
- You must use the CVS Caremark Maintenance Choice Program or Mail Order Services to fill your maintenance medication prescriptions. Maintenance medications are those you take daily for a prolonged period (e.g., blood pressure and cholesterol medications).
- If you’re enrolled in an RRD National Medical Program option, you are automatically enrolled in the PrudentRx Copay Program for specialty medications as part of your prescription drug coverage through CVS Caremark.
Save Money on Your Prescription Medications
You can save money on your medications when you use Rx Savings Solutions, a confidential online tool that searches for lower-cost options for your prescribed medications.
Access CVS Caremark
You can access CVS Caremark services anytime and anywhere online or through the CVS/caremark app to:
- Find ways to save money
- Get new prescriptions and refills
- Compare prescription costs
- Find local pharmacies in your network
- View an updated drug formulary
- Monitor your pharmacy spending
- Stay on track with medication reminders
- Understand your prescription drug benefits
CVS Caremark
1-866-273-8402
CVS/caremark app
Rx Savings Solutions
1-800-268-4476
Rx Savings Solutions app
PrudentRx Copay Program
1-800-578-4403
PrudentRx app