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Pharmacy Plans
AETNA
Aetna's Three-Tier/Open Formulary Plan provides the option of brand-name drugs and their
less expensive generic equivalents. Your employees will pay a lower copay for generic drugs, which meet
the same FDA standards for safety and effectiveness as brand-name drugs.
| TIER 3- HIGHEST COPAY |
Covered brand-name drugs NOT on the formulary |
| TIER 2- MIDDLE COPAY |
Covered brand-name drugs on the formulary |
| TIER 1- LOWEST COPAY |
Covered generic drugs on the formulary |
Your employees will pay a higher copay for brand-name drugs on the formulary. The highest copay applies
to brand-name drugs that are not included on the formulary.
CIGNA
Cigna's Indemnity Pharmacy
program gives your employees the advantage of cost-savings and the freedom of
traditional indemnity coverage. Members can visit any pharmacy and pay the retail cost of their
prescriptions, or benefit from the reduced rates when using their prescription drug card to at any of the
program's 53,000 participating pharmacies nationwide.
Cigna's Managed Pharmacy programs are offered with the
HMO and POS
plans, and provides local access to more than 48,500 participating national and independent
pharmacies. Typically, the employer offers either a Two- or Three-Tier Prescription Drug Program and sets
the copayment amounts.
- Two-Tier Prescription Drug Program- Two-Tier Formulary is a list of FDA-approved,
brand-name and generic prescription drugs. Most of the prescriptions filled will be for drugs already on
the list. The benefit plan covers the cost of formulary medications, minus any applicable copayments.
- Three-Tier Prescription Drug Program- The lowest copayment level is the generic
drugs (first tier). Preferred brand drugs (second tier) do not have a generic equivalent and a slightly
higher copay applies. Non-Preferred brand drugs (third tier) have less costly generic equivalents and the
highest copayment applies, which is still cheaper than the retail cost.
UNITEDHEALTHCARE
Through myuhc.com, your employees are able to:
- Visit the online pharmacy
- Access pharmacacutical information
- Ask questions and get information about the safe use of prescription drugs
- Find information about their particular benefit plan, their prescription history and even place and
refill orders online and set up refill reminders
Order Prescriptions Online:
Your employees have the option to order prescriptions online but can also fill their prescriptions at any
of the pharmacies in the national network. There is also an online pharmacy directory to help you to find
a pharmacy close by.
Payment Program:
The three-tier payment program offers distinct copayment levels for brand-name and generic drugs. The
lowest copayment level is for generic drugs, a higher copayment for brand-name drugs on the Preferred
Drug List, and the highest copayment for brand-name drugs not on the formulary list.
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