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Prescription Coverage

CVS Caremark remains your prescription benefit manager in 2019

All four of the health plans have prescription coverage through CVS Caremark. The three Consumer-Driven Health Plans (CDHPs) have the same copay/coinsurance amounts while the Traditional PPO has slightly higher rates and min/max amounts. As a reminder, there is no requirement for an employee to switch to a CVS pharmacy. However, as an added benefit, 90 day supplies are offered both through mail service and CVS pharmacies. For a full list of in-network pharmacies, please visit www.caremark.com.

Through CVS Caremark, point-of-sale (POS) rebates will continue to be given to members. CVS Caremark negotiates with the drug companies to establish rebates for certain drugs. For example, a drug may have a list price of $250 with a rebate of $100. In the past, an employee would have been responsible for the full $250 until their deductible was met. However, with the point-of-sale rebates, an employee will only be responsible for paying $150 at the time they pick up their prescription. In this example, the employee would save $100. Not only does POS rebates save employees money, they also make prescription purchases more transparent.

The easiest way to manage your prescriptions is through CVS Caremark’s website or mobile app. Within both platforms, you may review your mail order prescription, check drug costs and coverage, find a network pharmacy and keep track of your prescription spending. You may also transfer a current prescription or submit a new one by simply submitting a picture of the prescription label or written prescription. For additional ease, you can even enroll in automated refills.To get started, all you need to do is register at www.caremark.com and download the CVS Caremark mobile app.

Below is a quick look at the 2019 prescription coverage.

If you have any questions about how this change will impact you, please feel free to contact the Benefits Hotline at 317-232-1167 or toll free at 877-248-0007 (if outside of Indianapolis).

Check Prescription Drug Costs

Find out if your medication is covered and what your estimated cost will be based on your medical benefit plan you elect. This tool from CVS Caremark shows you lower-cost options, if available. Price varies by location.

Prescription Coverage Quick Links