Prescription Drug Coverage

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When you enroll for medical coverage, you will automatically receive prescription drug coverage. 

The 2024 Prescription Drug Plan uses a three-tier copay structure for prescriptions filled at a retail pharmacy or through the PRxN Pharmacy. Your cost for prescriptions depends on whether you purchase Generic, Preferred or Non-Preferred drugs, based on the plan administrator’s formulary (a list of preferred drugs). 

• Tier 1: Generic – These drugs are labeled with their chemical name, rather than a brand name, and are certified by the FDA to be as safe and effective as their brand name counterparts. Generics are the most affordable way to obtain quality medications. 

• Tier 2: Preferred Brand – Brand name drugs that are listed in the Prescription Drug Plan’s formulary. 

• Tier 3: Non Preferred Brand – Brand name drugs that are not listed in the Prescription Drug Plan’s formulary. 

It will be mandatory for you to fill ALL prescriptions using generic drugs whenever they are available. If you require a Brand Name medication when a generic equivalent is available, you will be responsible for the full cost of the Brand Name prescription. For example, Lipitor© (a Brand Name drug) will no longer be covered but Atorvastatin (its Generic equivalent) is covered.