Prescription Drugs

Prescription drugs are covered like any other medical expense under the Standard HSA and Enhanced HSA plans. You pay the full cost for prescription drugs with money from your HSA or out-of-pocket until you meet your deductible. Once you meet your medical plan deductible, you pay coinsurance for eligible prescription drug costs, as detailed in the chart below. Once you reach your medical plan’s out-of-pocket maximum, the plan will cover eligible prescription drug costs at 100% for the rest of the year. Certain preventive care medications are not subject to the plan’s deductible, and you only pay coinsurance.

	Standard HSA	Enhanced HSA
Retail (30-day supply)
Generic/Preferred	You pay 30% up to $125 maximum, after deductible	You pay 20% up to $125 maximum after deductible
Non-Preferred	You pay 50% after deductible	You pay 40% after deductible
Mail-Order (90-day supply)*
Generic/Preferred	You pay 30% up to $250 maximum, after deductible	You pay 20% up to $250 maximum after deductible
Non-Preferred	You pay 50% after deductible	You pay 40% after deductible

*If you do not use mail-order or Walgreens for long-term or ongoing medications after an initial fill and two refills, you pay 100% of the total cost of the drug.

Preventive Care Drugs

The Company wants to reduce barriers to taking simple preventive steps towards maintaining your health. That is why certain preventive care medications are not subject to the plans’ deductible and you only pay coinsurance. For example, if you take albuterol for asthma or metformin for diabetes, you only pay the applicable coinsurance at the pharmacy, even if you haven’t yet met your plan’s deductible.

Mandatory Generic Drugs

If you choose to purchase a brand-name prescription drug (preferred or non-preferred) when a generic equivalent is available, you will pay 20% or 30% of the generic prescription cost and 100% of the difference in discounted costs between the brand-name and generic prescription. The difference in cost will not be applied toward your deductible or out-of-pocket maximum.

With both Company medical plans, you pay 100% of the cost for non-preventive prescription drugs until you have met your deductible. Make sure you’re prepared for the cost of prescription drugs with these tips.