Medicine goes down a lot easier when it doesn’t cost you an arm and a leg. How much you’ll pay for a prescription depends on the type of medication and where you go to fill it. All plans offer convenient home delivery for certain medications—one less thing you need to think about.
Ways to save
You have options when it comes to filling prescription drugs, and the choices you make can help you save money. Here are some cost-saving tips to keep in mind:
- Choose lower-cost generic medications over brand-name drugs and use the drug-costing tools on your insurance carrier’s website.
- Use pharmacies in your plan network.
- Take advantage of the mail-order service for maintenance medications.
What you pay: UHC
You can get a 30-day supply of medication from retail pharmacies for the amount shown below. The maximum amounts for mail-order prescription drugs are 2 times and 90-day retail fills are 3 times the amounts shown. You’ll pay more if you use an out-of-network pharmacy.
| In-Network Retail Pharmacy (Up to 31-Day Supply) | In-Network Retail Pharmacy (Up to 90-Day Supply) | Mail-Order Service (Up to 90-Day Supply) | |
|---|---|---|---|
| UHC Choice Plus High Deductible | 20% after deductible | 20% after deductible | 20% after deductible |
| UHC Choice Plus (PPO) / UHC Choice (EPO) | 10% Max (tier 1): $20 Max (tier 2): $50 Max (tier 3): $80 Max (specialty): N/A | 10% Max (tier 1): $60 Max (tier 2): $150 Max (tier 3): $240 Max (specialty): N/A | 10% Max (tier 1): $40 Max (tier 2): $100 Max (tier 3): $160 Max (specialty): $100 |
Check your prescriptions
UHC’s drug look-up tool shows coverage, exclusions, authorization requirements, and more. You'll see a coverage tier for each drug, but here’s what you need to know, no matter the drug tier: You’ll pay 20% after your deductible under the UHC Choice Plus High Deductible plan and 10% coinsurance under the UHC Choice Plus and UHC Choice plans (minimums and maximums apply, refer to the chart above).
What you pay: Kaiser
You can get a 30-day supply of medication from Kaiser pharmacies. If you're on a maintenance medication, such as high blood pressure medication, consider the mail-order option, which provides a larger quantity for just 2 times the retail copay amount. Out-of-network prescriptions are only covered in case of an emergency.
Kaiser California
| Kaiser Pharmacy (Up to 30-Day Supply) | Kaiser Mail-Order Service (Up to 100-Day Supply) | |
|---|---|---|
| Generic | $10 copay | $20 copay |
| Brand | $20 copay | $40 copay |
| Specialty | Varies by drug | Varies by drug |
Kaiser Oregon
| Kaiser Pharmacy (Up to 30-Day Supply) | Kaiser Mail-Order Service (Up to 90-Day Supply) | |
|---|---|---|
| Generic | $10 copay | $20 copay |
| Brand Formulary | $20 copay | $40 copay |
| Brand Nonformulary | $40 copay | $80 copay |
| Specialty | $150 copay | Not available |