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Pharmacy benefits for all state health plans are provided by Express Scripts. All three of the Consumer-Driven Health Plans (CDHPs) have the same prescription coverage while the Traditional PPO has slightly higher copays, coinsurance rates and min/max amounts.
Express Scripts’ website (www.express-scripts.com) offers several cost-and time-saving features. For instance, you can review the claims that have been submitted for your 2014 prescriptions to help you make an informed decision about your 2015 election. Then, take it a step further, and shop for the lowest price on your medications. Enter the name of your prescription and the website lists the price and any generics or other options for treatment of your particular condition. This helps you to make informed investments of your healthcare dollars.
Keep in mind that in addition to retail pharmacies, you can utilize Express Scripts; mail order pharmacy. They offer a 90-day supply on some medications. After you meet your deductible, you can purchase a 90-day supply for the cost of 60 days. That could provide you quite a savings. Armed with the costs of your medications, that information could help you better calculate your prescription costs for 2015.
Express Scripts also has specialty pharmacists, available around the clock, who can answer your questions about cardiovascular, diabetes, cancer, women’s health, neuroscience and pulmonary conditions.