All three of the medical plans have prescription coverage through CVS Caremark. The three medical plans have the same copay/coinsurance amounts and a large network of pharmacies. For a full list of in-network pharmacies, please visit www.caremark.com.
As a reminder, there is no requirement to switch to a CVS pharmacy. In-network pharmacies are Tier 1 providers. Prescriptions filled at in-network pharmacies are considered Tier 1 expenses and will count toward both your Tier 1 and Tier 2 deductible and out-of-pocket maximum.
90-day fills can be made at your local retail pharmacy or through mail order. However, it is important to note that the co-pay and co-insurance amounts are a little higher on 90-day fills at the retail pharmacy than through mail.
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 or download the CVS Caremark mobile app.
Below is a quick look at the 2025 prescription coverage.
| Prescription Drug Coverage Deductible must be met before coinsurance rates apply | |||
|
Retail Pharmacy Network (Up to 30 day supply) |
Mail Service Pharmacy (Up to 90 day supply) |
Retail Pharmacy Network (Up to 90 day supply) | |
| Preventive Medicines (mandated by the ACA) |
$0 (no deductible) |
$0 (no deductible) |
$0 (no deductible) |
| Generic Medicines | $10 copay | $20 copay | $30 copay |
| Preferred Brand-Name Medicines |
20% Min. $30, Max. $50 |
20% Min. $60, Max. $100 |
20% Min. $90, Max. $150 |
| Non-Preferred Brand-Name Medicines |
40% Min. $50, Max. $70 |
40% Min. $100, Max. $140 |
40% Min. $150, Max. $210 |
| Specialty Medicines |
40% Min. $75, Max. $150 (30 day supply) | ||
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).