Prescription drugs

When you are enrolled in Chubb’s Aetna medical plan, you will automatically receive prescription drug coverage through Aetna. Please note that Kaiser has its own prescription drug coverage (coverage in Hawaii only).

The amount you pay for prescription drugs depends on the type of drug and how you fill your prescriptions.

Your medical ID card will be used at the doctor’s office, hospital or when filling a prescription.

Drug types

Generic drugs: Same active ingredients as brand-name equivalents and meet the same standards for quality and effectiveness but cost much less.
Preferred drugs: Brand-name medications included on the 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.

In-network prescription costs by medical plan

The full cost of the drug is applied to the deductible before any benefits are considered for payment under the pharmacy plan.

Plan	High Deductible Plans
Deductible	$1,850 Deductible	$4,500 Deductible
Retail: 30-day supply
Generic	20% after deductible	30% after deductible
Preferred	20% after deductible	30% after deductible
Non-preferred	20% after deductible	30% after deductible
Mail order Program: 90-day supply
Generic	20% after deductible	30% after deductible
Preferred	20% after deductible	30% after deductible
Non-preferred	20% after deductible	30% after deductible

Specialty

Up to a 30-day supply
All prescription fills must be through Aetna’s preferred specialty pharmacy network.

Want to pay less for prescription drugs?

Maintenance Choice ® program:

Recieve 90-day supplies of your long-term medication through mail order or at a participating CVS Maintenance Choice retail pharmacy for added convenience and lower costs.

Not available to Kaiser members.

Filling prescriptions

If you are filling a prescription for a medication that you will be taking for the short term, take your Aetna Medical Plan 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, you may get a 90-day supply through the mail-order program or pick up your medication at a participating local CVS retail pharmacy. Not filling a 90-day supply at CVS 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.