Tell us about yourself to personalize your benefits.
Prescription Drug page hero image
Health

Prescription Drug

No matter which medical plan you choose, prescription drug coveragePrescription Drug CoverageThe part of your plan that helps pay for medications prescribed by your doctor. Costs can vary depending on what your medication is. is automatically included. Your cost for prescription drugs depends on the medical plan you enroll in.

New for 2027: 90-day retail prescription drugs through Walgreens

Starting January 1, 2027, you’ll have two convenient ways to receive 90-day supplies of maintenance medications: Walgreens pharmacies nationwide or Optum Home Delivery. Choosing one of these options helps maximize your prescription benefits and minimize out-of-pocket costs.

See what else is new for 2027

Speed read

01

Your prescription drug coveragePrescription Drug CoverageThe part of your plan that helps pay for medications prescribed by your doctor. Costs can vary depending on what your medication is. is through Optum Rx, if you’re enrolled in Surest or one of the UMR medical plans. If you’re enrolled in a Kaiser Permanente plan, prescription drug coverage is through Kaiser Permanente.

02

Generic medications usually offer the lowest out-of-pocket cost for you. And they’re made with the same active ingredients as brand-name medications.

03

If you’re enrolled in an HDHP medical plan, you’ll pay the full cost for prescription drugs up until you’ve met your deductible. That means if your prescription is $400, you’ll pay that each time you get a fill, until your deductible is met for the year.

Are you taking a preventive prescription drug?

If so, you’ll pay nothing when you get your prescription filled at the pharmacy through Optum Rx. Anything classified as preventive is 100% covered by the medical plan.

Not sure if you’re taking a preventive drug? Preventive medications are medications that help you stop something from happening, rather than treating it after it starts, like birth control pills, ACE inhibitors and beta-blockers. Contact Optum Rx, your plan or your doctor if you have questions about any medications you’re taking.

How much do prescriptions cost?

Surest Plan

Generic

$10
copay

$25
copay

Preferred brand name
$25
copay
$62.50
copay
Non-preferred brand name
$40
copay
$100
copay
Specialty*

20%
(up to $250)

N/A

UMR HDHP 3800 Plan

Generic
25%
after deductible
25%
after deductible
Preferred brand name
25%
after deductible
25%
after deductible
Non-preferred brand name
25%
after deductible
25%
after deductible
Specialty*
25%
after deductible
N/A

UMR PPO 1500 Plan

Generic
$10
copay
$25
copay
Preferred brand name
$25
copay
$62.50
copay
Non-preferred brand name
$40
copay
$100
copay
Specialty*
20%
(up to $250)
N/A

*If you're enrolled in one of the UMR or Surest medical plans and take a specialty medication, you'll need to use the Optum Specialty Pharmacy.

**The maximum amount you’ll pay for a prescription varies based on where you live. See the plan document for detailed information.

You’ve got mail

If you’re prescribed a long-term medication (something that you’ll take beyond 90 days), you’ll save money and time if you use mail order to get 90-day refills. Mail order is a quick set up — you’ll just need to create an account, get your prescription submitted (by your doctor or transferred by you), and then check your mailbox. Your medications usually arrive within 3-5 days.

Get in touch

Optum Rx

Download on the App Store Get it on Google Play Save to Phone as Contact

This vendor is not available for your employee profile.

Caliber: Your Benefits At Work
Tell us about yourself to personalize your benefits.
Privacy