When you enroll in a medical plan option, you are automatically enrolled in prescription drug coverage through CVS Caremark®. Click here for your prescription drug plan design summary.

Prescription Drug Tiers

Prescription drugs generally fall into the following “tiers” and your out-of-pocket cost will vary by each of these tiers. Whenever possible, consider filling your prescription with a generic drug rather than a brand-name drug.​

• Generic Drugs: Medication that contains the same active ingredients and is available in the same strengths and dosages as its brand-name equivalent. Generic drugs cost less than brand-name drugs and save you money.​
• Preferred Brand Drugs: Medication that has been identified as a good value, both clinically and financially. You pay less for preferred brand-name drugs than for non-preferred brand-name drugs.

• Non-Preferred Brand Drugs: Medication that has an alternative generic or preferred brand-name drug that is clinically equivalent. Non-preferred brand-name drugs typically cost more than generic and preferred brand-name drugs.

• Specialty Drugs: High-cost medications used to treat complex, chronic conditions like cancer, rheumatoid arthritis, and multiple sclerosis, and may be Preferred or Non-Preferred Specialty drugs. They often require special handling (such as refrigeration during shipping) and administration (such as injection or infusion). Specialty medications are limited to a 30-day supply at a time. All specialty medications must be filled through CVS Specialty®Pharmacy or RWJBarnabas Health Infusion & Specialty Pharmacy.

Click here to access the prescription drug plan formulary to see which tier your prescription is in.