2026 Open Enrollment Benefits Decision Guide
Prescription Drugs Coverage and Tiers
Want more from your prescription plan? Keeping your medications affordable is important. The prescription drug coverage included with each medical plan is through RxBenefits (powered by CVS/ Caremark) to bring you greater discounts, better access, and improved member services. Tiers The cost of your prescription drugs under each medical plan depends on the tier of the medication: • Tier 1 (Generic) drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less. • Tier 2 (Formulary) drugs are brand-name medications that are favored by a prescription plan based on drug effectiveness and cost. • Tier 3 (Non-formulary) drugs are brand-name medications that are not on a prescriptions plan’s favored list (or formulary) based on drug effectiveness or cost. They may still be covered, but may require prior authorization and cost more. Save Money The cost of prescription drugs is rising faster than many other healthcare services and supplies. However, there are ways for you to save: • Ask your doctor about generic modifications . Generic modifications are generally just as effective as brand name medications, yet the cost of generics is substantially lower. They typically cost between 30% and 75% less than brand-name drugs. • Use the mail order feature . If you take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and a money-saving option for you.
Rx Delivery by Mail A safe and secure way to get the medications you take regularly — and you’ll probably save money, too. Start Rx Delivery: Click Here
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