Qualified health plans
These plans are purchased by individuals or small businesses (50 or less employees) through the Health Insurance Marketplace or directly from HAP.
Qualified health plans, or QHPs, are Affordable Care Act-compliant plans that cover essential health benefits and follow established limits on out-of-pocket costs.
Use our drug finder tool to search for drugs that HAP covers:
You can also download the full 2021 QHP covered drug list:
Access your benefits and save money on drugs
Most HAP plans include prescription drug coverage. We want to make sure you get the pharmacy benefits you need.
For the most detailed, up-to-date information about your personal prescription drug coverage, log in and click “My Prescription Coverage.” You also can browse these resources for your type of plan.
General information about prescription drug coverage
No matter what type of plan you have, we’ll help you get the most out of your pharmacy benefits. Find answers to questions many of our members ask, including:
• Is my drug covered?
• How do I fill my prescription?
• Where can I find a HAP-network pharmacy?
Your personal pharmacy benefits made easier
Prescription drug coverage doesn’t have to be confusing. We provide easy access to information such as:
• A breakdown of our prescription drug tiers or the different levels at which we cover medications
• How to get specialty drugs, which aren’t available in most pharmacies
• Information on medication safety
Convenient, cost-saving prescription drug coverage
Your money and time are valuable. That’s why we offer resources like these:
• How to save money on prescriptions
• Home-delivery pharmacy service to get drugs delivered right to your mailbox
• Our 90-day prescription program to get a 90-day supply of select drugs instead of the standard 30-day supply
Online prescription resources
HAP members also can get detailed information about medications online. Log in to your online member account to get access to your:
• Copay amount or total cost for members with high-deductible plans
• Details about drugs, including possible side effects and generic alternatives
• Drug pricing by pharmacy based on your personal benefits
• Prescription history
Log in to see this information.
Restrictions for covered drugs
Some drugs have coverage restrictions, such as prior authorization from your doctor or the amount you can have at a particular time. Learn how we list these restrictions in our covered drug lists.
Some drugs have criteria you must meet before we cover them. You or your doctor need to get approval, also known as prior authorization, from us before you fill your prescriptions for these drugs. We list these medications with a “PA” notation.
Your doctor can change the prescription to one that doesn’t require prior authorization or submit a prior authorization request to us.
View your pharmacy prior authorization history by logging in.
Some medications have quantity limits – restrictions on the amount a pharmacist can dispense at one time or on the number of refills allowed. For example, you can obtain specialty drugs for up to a 30-day supply.
We list medications that require quantity limits with a “QL” notation. Talk to your doctor about quantity limits and how they may affect your health care.
Specialty drugs require prior authorization from the doctor before we cover them. We also require prescriptions for these medications to be filled by our specialty pharmacy partner, Pharmacy Advantage. We list specialty drugs with an “SP” notation.
Learn more about our coverage of specialty drugs.
We may require you to try an alternative drug before we cover a particular drug. This process is called step therapy.
Here’s an example of how step therapy works:
1. Drug A and drug B both treat a health condition. If you have that condition, we may not cover drug B unless you try drug A first and it didn’t work for you.
2. If drug A doesn’t work, then we’ll cover drug B.
We list drugs that require step therapy with an “ST” notation. If you’re a new HAP member and have already gone through step therapy with a prescription drug, talk to your doctor about submitting a prior authorization request for the preferred drug.
What if my drug isn’t on the covered drug list?
If you don't see your drug listed on our Covered Drug List, you can ask us to cover it if you feel the drug is necessary for your health and other drugs we cover will not be as safe or effective. To request an exception, you may call us or you may submit your request by logging in to hap.org and following the link to Medical Exceptions in the Prescription Coverage tab.