The prescription benefit is the same for all UK health plans. You are automatically enrolled in prescription coverage if you are on a health plan. Express Scripts is our benefit manager for prescription coverage.
Generic prescription drugs are usually your best value. They contain the same active ingredients as brand-name equivalent drugs at a lower cost.
Receiving a 90-day supply for each prescription through Express Scripts Mail Service Pharmacy or a UK Retail Pharmacy (such as the one at Kentucky Clinic) may also cost less than a 30-day supply. For example, UK Retail Pharmacies offer UK employees enrolled in a UK health plan a 50 percent discount (up to $60) on many medicines if they are prescribed by a UK HealthCare provider.
Health and prescription ID cards
You must present both your regular Medicare card and your UK Medicare Carveout Classic card for health coverage. For Medicare parts A and B, you should have received a card when you became eligible for Medicare. Keep this card in a safe place - you will not be issued a new card each year. For the plan year that starts in January, you will not receive a new ID card.
Saving money on prescriptions
Below is an example of how choosing where and how to fill your prescription can save you - and the University - money on your medicines.
Mike visits his UK HealthCare doctor and gets a prescription for a beta blocker for his high blood pressure. Fred asks his doctor to prescribe a 90-day supply of the generic medicine. Because Fred sees a UK doctor and fills his prescription at a UK Retail Pharmacy, he receives a 50 percent discount.
Total cost of 90-day supply: $26.37
Mike pays his $12 minimum co-pay for a 90-day generic supply at Kentucky Clinic Pharmacy (including his 50 percent discount).
UK pays $14.37.
Ike goes to his non-UK HealthCare doctor and also finds he needs a beta blocker for high blood pressure. Barney receives a prescription for a 90-day supply of the brand-name medicine, which Barney fills through the Express Scripts mail order pharmacy.
Total cost of 90-day supply: $322.99
Ike pays his $120 minimum co-pay for a 90-day brand-name supply.
UK pays $202.99.
Working retirees or retirees under age 65
Co-payments for each type of retail 30-day prescription at your local participating pharmacy, including UK Retail Pharmacies or Express Scripts Mail Service Pharmacy:
|Generic||20% or minimum of $8||Max of $50 per prescription|
|Formulary brand||40% or minimum of $20||Max of $60 per prescription|
|Non-formulary brand||50% or minimum of $40||No maximum|
|Specialty generic||20% or minimum of $8||Max of $50 per prescription|
|Specialty brand||$100 per prescription||Max of $100 per prescription|
Co-payments for each type of 90-day prescription only at a UK Retail Pharmacy or Express Scripts Mail Service Pharmacy:
|Generic||10% or minimum of $24||Max of $100 per prescription|
|Formulary brand||30% or minimum of $60||Max or $120 per prescription|
|Non-formulary brand||40% or minimum of $120||No maximum|
|Specialty generic||N/A (limited to 30 days)|
|Specialty brand||N/A (limited to 30 days)|
Medicare Part D prescription drug plan
|Retail pharmacy (per 30-day supply)||Express Scripts Mail Order Pharmacy (90-day supply)|
|Generic||20% co-insurance, $50 maximum||10% co-insurance, $100 maximum|
|Preferred brand||40% co-insurance, $20 minimum, $60 maximum||30% co-insurance, $60 minimum, $120 maximum|
|Non-preferred brand||50% co-insurance, $40 minimum||40% co-insurance, $120 minimum|
|Non-formulary drug||Not covered||Not covered|
|Specialty drug||As above, limit to 30-day supply||As above, limit to 30-day supply|
Sometimes medicines can change categories (generic, preferred brand, non-preferred brand). It’s always a good idea to check which category your medicine is in. Visit www.express-scripts.com.
Please call a pharmacist with the Know Your Rx Coalition at 859-218-5979 or 855-218-5979 for information specific to your medication, formulary and costs.