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Rx – what you pay | Project:Living™ Health Fund Café

 

Let’s make this less confusing…

Remember, you can use your Health Savings Account (HSA). Learn how this accounts can be used to pay for prescription expenses.

You pay 10% coinsurance for preventive prescription drugs — 90% of the cost is paid for by CVS Caremark.

View the 2017 Preventive Drug list.

View the 2018 Preventive Drug list.

 

For non-preventive or specialty drugs you pay the full cost of the medication until you meet the medical deductible ($1500 for an HSA or $1600 for an HRA). Once the deductible is met, you pay a coinsurance and the balance is covered by Express Scripts, your prescription drug provider.

Let’s look at an example. If you’ve been prescribed Humira® for arthritis pain, a 90-day prescription can cost approximately $600, if no generics are available. If you haven’t met your medical deductible, you will have to pay the full $600 (which is applied to your deductible). If you have met your deductible, then your cost-sharing would be less, as your coverage with CVS Caremark will kick in and pay for the majority of the medication.

Quick Tip: Remember, ask your doctor for generics whenever they are available — you will pay much less than brand medication. For more cost-saving tips, click here.

View the 2017 Preferred Drug list.

View the 2018 Preferred Drug list.


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