Overview

Taking medications exactly as prescribed by your doctor is important to your health. When you enroll in a Chubb medical plan, you will automatically receive prescription drug coverage through:

  • Express Scripts if you choose Aetna, Horizon Blue Cross Blue Shield, or Optima as your carrier.
  • Kaiser or HMSA if you choose Kaiser or HMSA.

You can fill prescriptions at a retail pharmacy (like your local grocery store or drugstore) or have them delivered to your door. The amount you pay depends on the type of drug and how you purchase it, as explained below.

iconSee how your Rx coverage works

Save money and headaches when you need a prescription filled. Get answers to all your questions with our Prescription Coverage Coach tool.

Drug tiers

The cost of your prescription drugs under each medical plan depends on the “tier” of the medication — generic, preferred, or non-preferred — as shown in the table below. All prescription carriers have a formulary, or list of preferred drugs based on effectiveness and cost, that they agree to help pay for.

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Generic drugs

Same active ingredients as brand-name equivalents and meet the same standards for quality and effectiveness, but cost much less (some are even free).
You pay: $

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Preferred drugs

Brand-name medications included on the formulary and favored by your prescription carrier.
You pay: $$

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Non-preferred drugs

Brand-name medications not preferred by your carrier. They may still be covered, but may require prior authorization and cost more.
You pay: $$$

Check the formulary
See how medications are covered by logging in to your prescription account, then following these steps:

  • Express Scripts (Aetna, Horizon Blue Cross Blue Shield, and Optima members): Click “Price a Medication” under “Prescriptions.”
  • Kaiser (Kaiser members): Click “Pharmacy” at the top of the homepage.
  • HMSA (HMSA members): Under the “Benefits” tab, select “Drug Benefits.” Then, under “Plan & Benefits,” select “Covered Drug List (Formulary).”
iconTip: Formularies can change often

Prescription carriers are always reviewing the drugs on their formularies (lists of preferred drugs, based on effectiveness and cost) to add new products or exclude those that don’t meet requirements. To check if a drug is on the list, visit your prescription carrier’s website.

iconFact or fiction?

Take the Generic vs. Brand Name quiz and uncover some common myths about medications.

Filling prescriptions

When you need to fill a prescription, you have options! The right option will depend on how long you’ll be taking the medication.

Short-term medications: Retail pharmacy

Show your prescription ID card at any participating retail pharmacy to fill prescriptions you don’t expect to take for a long time (30-day supplies or less). To find a participating pharmacy near you, log in to your prescription carrier’s website (Express Scripts, Kaiser, or HMSA). Note, if you’re in a Kaiser or HMSA plan, your medical ID card doubles as your prescription card.

Long-term medications: Mail-order program or participating Walgreens

If you regularly take medication to treat a chronic condition — such as heart disease, high blood pressure, or diabetes — getting 90-day supplies by mail will save you time and money.

Aetna, Horizon Blue Cross Blue Shield, and Optima members
To avoid paying the full cost for your long-term medications, you must use the Express Scripts Smart90 Program to:

  1. Get a three-month supply of your long-term medicine instead of a one-month supply, AND
  2. Get your three-month supply delivered free to your home from the Express Scripts mail-order pharmacy OR pick it up at a participating Walgreens retail pharmacy (i.e., one that fills three-month supplies). To find a participating pharmacy, log in or register online and select “Manage Prescriptions.”

Enroll in the Smart 90 Program online or call 1-866-890-1419. Read this brochure with FAQs to learn more.

Express Scripts Smart90 Program
Three-month supply
Participating pharmacy
One-month supply
Participating pharmacy
One-month supply
Non-participating pharmacy
You pay: $ You pay: $$ You pay: $$$

Kaiser and HMSA members
If you’re enrolled in a medical plan with Kaiser or HMSA, you can also take advantage of the convenience and cost savings of using mail order. To sign up:

  • Kaiser: Log in to your Kaiser account and click “Pharmacy” at the top of the homepage. Select a medication and request mail order. You can also sign up by phone:
  • HMSA:
iconWhy use mail order?
  • You need to use it for maintenance medication (or pick up your prescription from Walgreens).
  • Prescriptions are shipped to you for free — no driving and no waiting in line.
  • You save money with a reduced cost for a three-month supply.
  • You can set up automatic refills, so you’re less likely to miss a dose.
  • 90-day supplies mean you don’t have to refill as often, making your life easier.

Coverage details

Your in-network prescription costs under each medical plan are shown below. See more medical plan details.

$400 DEDUCTIBLE PLAN $900 DEDUCTIBLE PLAN $1,850 DEDUCTIBLE PLAN $2,850 DEDUCTIBLE PLAN
Retail: 30-day supply
Generic $10 30% (min. $10/ max. $20), no deductible 20% after deductible 30% after deductible
Preferred $30 30% (min. $25/ max. $50), no deductible 20% after deductible 30% after deductible
Non-preferred $60 45% (min. $40/max. $80), no deductible 20% after deductible 30% after deductible
Mail order: 90-day supply*
Generic $25 30% (min. $25/ max. $50), no deductible 20% after deductible 30% after deductible
Preferred $75 30% (min. $62.50/ max. $125), no deductible 20% after deductible 30% after deductible
Non-preferred $150 45% (min. $100/max. $200), no deductible 20% after deductible 30% after deductible

* You may also pick up your 90-day supply at a local participating Walgreens retail pharmacy if you are enrolled in the Express Scripts Smart90 Program (Aetna, Horizon Blue Cross Blue Shield, and Optima members). To find a participating pharmacy, log in or register online and select “Manage Prescriptions.”