How your drug benefits work
You'll find many different drug benefit options with our plans. When purchasing a prescription drug, you pay either a designated copay or coinsurance. The cost to you depends on the “level” the drug is assigned to.
You can check your ID card to see your copay or coinsurance for each drug level. Use Rx Search to find your medication's drug level.
Not sure which prescription coverage you have? Log in and check your benefits booklet for complete details.
Or call us at 800-592-6804 so we can help you.
With a four-level drug benefit, your prescription medications fall into one of four categories or “levels.” Each level has a different copay or coinsurance.
A single level drug benefit is usually part of a major medical or HSA-qualified high deductible health plan.
If you have a plan with a single coinsurance, it usually has an upfront combined medical and pharmacy deductible. Once you meet your deductible, you will pay a flat coinsurance for the remainder of the year for your medications.
Use Rx Search to see if your drug is covered or excluded.
Our preventive drug lists are HSA-qualified and provide full coverage to ensure that you have access to those medications that are determined to help keep your condition from getting worse. Deductibles, copays or coinsurances are waived for certain generic medications that treat cardiovascular disease and diabetes.
As a LifeWise member, you can use the Discount Program to buy brand-name drugs at a discounted price at participating pharmacies. The discounts range up to 50 percent off for generics. Simply show your LifeWise member card at the pharmacy when you fill a prescription.
See our Pharmacy Discount Program website to find participating pharmacies or the cost of a specific drug or call 800-391-9701.
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