Prescription Drug Benefits & Claims

PRESCRIPTION DRUG BENEFITS PARTNER: CVS CAREMARK

To locate CVS Caremark network pharmacy, go to caremark.com or call (855) 271-6601.

SPECIAL DRUG CLASSES

Certain prescription drugs have special rules that affect coverage, fulfillment and/or payment. Read or click below for information on the special rules for the following drugs classes.

SCHEDULE OF PRESCRIPTION DRUG BENEFITS

Below is a summarized schedule of prescription drug benefits under the Health Plan.

Up to 30-day supplies from Participating Retail Pharmacies Up to 90-day supplies from any local CVS Pharmacy or CVS Mail Service
Deductible There is no deductible associated with the prescription drug benefit.
Allowable Quantity Up to 30-day supply Up to 90-day supply
Generic Drug Co-Payment* $10 $25
Brand Drug Co-Payment* $24 $60

Lifestyle Drug Co-Payment (i.e., erectile dysfunction drugs, proton pump inhibitors and sleep aides. )

Greater of $40 or 50% of the cost of the medication Greater of $60 or 50% of the cost of the medication
* If you choose to take a brand name drug when a generic equivalent is available, you will pay the cost difference between the two drugs plus the generic co-pay.

COVERED MEDICATIONS

Drugs that are not listed in the CVS Caremark formulary are not covered under the Health Plan. This affects a small number of brand name medications.

MAINTENANCE MEDICATIONS

If you are taking a maintenance medication (three months or more), you are allowed two 30-day fills at a retail pharmacy. After the first two fills, to avoid paying the entire cost of the medication, you will be required to obtain your medication in 90-day supplies, using one of the following two options:

    • Delivery with CVS Mail Service

      1. Ask your doctor to send an electronic prescription to CVS Caremark Mail Service Pharmacy. This is the easiest way to get started – you can expect to get your medication in 7-10 business days.
      2. Sign in or register for an account at caremark.com, and request that CVS Caremark contact your doctor and get the process started for you. Once we reach your doctor and receive approval, it will take 7-10 business days for your medication to be delivered.
    • Local Pick-up at any CVS, Longs, or Navarro Pharmacy
      1. Obtain a 90-day prescription for your maintenance medication from your doctor.
      2. Fill your 90-day prescription in person at any CVS, Longs or Navarro pharmacy.

      For questions about the program, please call (855) 271-6601 or visit caremark.com.

For more information on maintenance medications, please refer to pages 84-85 of the March 2025 Health Plan Summary Plan Description.

NON-NETWORK PHARMACIES

You may purchase your medication at a non-network pharmacy, but you will have higher costs and will have to file a claim with CVS Caremark for reimbursement.

RX SAVINGS PLUS CARD FROM CVS CAREMARK

All Health Plan participants, beneficiaries and DGA members can now obtain the RxSavingsPlus card from CVS Caremark free of charge regardless of Health Plan coverage status. With the RxSavingsPlus card, you can save on the full cost of brand name and generic medications at more than 65,000 participating pharmacies nationwide.

A few benefits of the card include:

  • discounts on many diabetic supplies
  • over-the-counter products with a doctor’s written prescription
  • certain pet medications

For more information or to sign up to receive the card, visit www.dgaplans.org/rxsavingspluscard.

SPECIAL DRUG CLASSES

Certain prescription drugs have special rules that affect coverage, fulfillment and/or payment. Read below for information.

INFERTILITY-RELATED MEDICATIONS

Beginning April 1, 2024, all eligible fertility-related prescriptions must be filled through Carrot Rx for your eligible medications to be covered with Carrot funds. CarrotRx has partnered with Alto Pharmacy. Your medications will need to be filled directly with Alto Pharmacy and communication on the status of your prescriptions will be coming from Alto as well. When medications are received, it will state it is from Carrot Rx (powered by Alto) on the box.

If you currently receive your fertility-related medications through a pharmacy other than Carrot Rx, you will have until May 15, 2024 to transition your prescriptions to Carrot Rx. After May 15, 2024, expenses you submit from non-Carrot Rx pharmacies will be denied.

Carrot Rx offers savings of up to 40%, as well as price matching on most fertility-related medications and next-day or same-day delivery when needed. With Carrot Rx, you also get 24/7 access to certified clinicians who can answer any questions you might have about your medications.

For more information about getting your fertility-related medications with Carrot Rx, including frequently asked questions, exceptions to the Carrot Rx-only prescription policy and a step-by-step guide to ordering your prescriptions through Carrot Rx, click here to download a helpful pdf.

LIFESTYLE MEDICATIONS (i.e., erectile dysfunction drugs, proton pump inhibitors, non-GLP-1 weight loss medications and sleep aides.)

 See the “Lifestyle Drugs” section beginning on page 86 of the March 2025 Health Plan Summary Plan Description for more information

GENERIC CONTRACEPTIVES

Generic contraceptives are covered at 100% under the Health Plan’s Preventive Care Services benefit.

FILING A PRESCRIPTION CLAIM

When you go to a pharmacy within the CVS Caremark network, you should only be responsible for your copay. Claims for covered prescriptions filled at a non-network pharmacy should be filed with CVS Caremark, the Health Plan’s prescription benefit manager, for reimbursement. If you purchase prescription medication at a non-network pharmacy:

  • You will not receive the network discount; 
  • You will have to pay the full amount at the time of purchase; and 
  • You will have to file a claim form for a partial reimbursement, following the instructions below. 

STEP-BY-STEP INSTRUCTIONS

Step 1: Fill out the Prescription Drug Claims Form

  • In the Group No./Group Name field, write in the RxGRP from your CVS Caremark prescription card.
  • In the Identification Number field, write in the ID that appears on your CVS Caremark prescription card.

Step 2: Be sure to include prescription receipts with your claim form.

Step 3: Submit your claim.

DO NOT submit claims to the Health Plan Office.

Mail your claim directly to Blue Cross at the address below:

CVS Caremark
P.O. Box 52136
Phoenix, AZ  85072-2136

CVS Caremark will reimburse you for the amount they would have covered at the discounted rate, less the applicable co-payment amount.