Prescription Drug Coverage

Don't let medication costs catch you off guard. Explore drug coverage options that keep your prescriptions affordable.

Why Prescription Coverage Matters

The cost of prescription medications continues to rise. Whether you take one medication or several, having the right drug coverage can save you hundreds even thousands of dollars each year.

How Prescription Plans Work

Formulary & Drug Tiers

  • Plans organize medications into tiers. Generic drugs are typically the most affordable, while specialty medications may cost more.

Pharmacy Networks

  • Using in-network pharmacies helps keep your costs low. Many plans also offer convenient mail-order options for maintenance medications.

Prior Authorization

  • Some medications require advance approval from your plan. Your advisor can help you navigate this process smoothly.

Key Benefits

  • Lower out-of-pocket costs on prescriptions

  • Access to generic and brand-name medications

  • Mail-order pharmacy convenience

  • Specialty drug assistance programs

  • Coordination with your existing health plan

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Common Questions

Do I need a separate prescription drug plan?

Marketplace plans include prescription benefits by law.

What if my medication isn't on the formulary?

You can request an exception from your plan, or your advisor can help find an alternative plan that covers your specific medications.

Need Help With Prescription Costs?

Our licensed advisors can review your medications and find the most cost-effective coverage for you