Prescription Drug
Prescription Drugs (Aetna and Horizon)
When you enroll in a Chubb medical plan, you will automatically receive prescription drug coverage through Express Scripts. Please note that Kaiser has its own prescription drug coverage.
The amount you pay for prescription drugs depends on the type of drug and how you fill your prescriptions.
Drug types
Generic drugs: Same active ingredients, benefits, safety profile and strength as their branded counterparts.
Preferred drugs: Brand-name medications included on the prescription carrier’s formulary based on effectiveness and cost.
Non-preferred drugs: Brand-name medications not preferred by your carrier. They may still be covered but may require prior authorization and cost more.
PPO Plan |
High Deductible Plans |
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|---|---|---|---|---|
| $900 Deductible | $1,850 Deductible | $3,300 Deductible | ||
Retail: 30-day supply |
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|
Generic |
30% (min. $10/max. $20), no deductible |
20% after deductible |
30% after deductible |
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Preferred |
30% (min. $25/max. $50), no deductible |
20% after deductible |
30% after deductible |
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Non-preferred |
45% (min. $40/max. $80), no deductible |
20% after deductible |
30% after deductible |
|
Mail order or Smart90 program: 90-day supply |
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|
Generic |
30% (min. $25/max. $50), no deductible |
20% after deductible |
30% after deductible |
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|
Preferred |
30% (min. $62.50/max. $125), no deductible |
20% after deductible |
30% after deductible |
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|
Non-preferred |
45% (min. $100/max. $200), no deductible |
20% after deductible |
30% after deductible |
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1 Deductible does not apply. Please review the Summary of Benefit Coverages on the Chubb Benefits Portal.
Filling prescriptions
If you are filling a prescription for a medication that you will be taking for the short term, take your Express Scripts ID with you to any participating pharmacy (such as your local grocery store or drug store) and fill your prescription. If you take any maintenance medications (for example, to manage your cholesterol or lower your blood pressure), you may get a 90-day supply through the mail-order program or pick up your medication at a participating local Walgreens retail pharmacy. Not filling a 90-day supply at Walgreens after exhausting your two grace retail fills may require that you pay the full price of the medication. Please note that this program is not available to Kaiser members; more information about Kaiser prescription benefits is available on the Chubb Benefits Portal.
Prescription drug management programs
To ensure the medication you take is the safest, most appropriate and most cost-effective option, Express Scripts applies several utilization management programs. This means that some medications may require prior authorization or be subject to step therapy requirements or quantity limits. When filling a prescription, you will be notified if any of these programs apply to your medication.
Express Scripts Cost Comparison Tool
Visit the Express Scripts Pricing tool to see the estimated cost of your medication under each deductible plan to help you save money on your prescription costs.
More ways to save
Rx Savings Solutions
Register at www.myrxss.com or download the Rx Savings Solutions app to find the best prescription drug prices. Medications will be displayed, along with all options to maximize your savings.