How to save money on prescriptions
Tips for using your health care dollars wisely
Saving money isn’t just about where you get health care. You can lower costs when it comes to prescriptions, too. Use these tips to save money and maximize your prescription drug coverage.
Lower tiers mean higher savings
We cover a wide variety of prescription drugs. We use a drug list, also known as a formulary, to classify these drugs based on the level of out-of-pocket costs for our members. These out-of-pocket cost levels are called tiers.
Different plans have different tiers. But the general rule is this: Prescription medications on lower tiers cost less. Members can sign in to their HAP accounts to get detailed drug pricing by pharmacy based on their personal benefits. Log in to view personal plan information.
Generic drugs are in our lower tiers of prescription medication coverage. This means we cover them at lower copays than their brand-name counterparts.
Generic drugs are:
• Made from the same active ingredients as equivalent brand-name drugs
• Held to the same Food and Drug Administration standards as brand-name drugs
• Usually manufactured in the same facilities as their brand-name counterparts
• Less expensive to make than brand-name drugs
• Subject to greater competition among manufacturers, which means bigger savings for you
Use a HAP-affiliated pharmacy
We work with more than 30,000 pharmacies as part of the HAP network. These pharmacies contract with us to offer members prescription medications at lower rates than are available to other consumers. Make sure you fill your prescriptions at a pharmacy within the HAP network.
Savings beyond prescription coverage
You may be a HAP member, but don’t have prescription drug coverage through HAP. If so, you can still save on your medications by using a pharmacy in HAP’s network.
All you have to do is show your HAP ID card at HAP network pharmacy when you fill a prescription. You’ll benefit from HAP’s negotiated rate, which generally is lower than what you would pay for the medication on your own.
Over-the-counter drugs also can save you money. Your doctor may be able to recommend an appropriate, nonprescription option to treat many common conditions, such as:
• Coughs and colds
90-day prescription program
It can be a hassle to go to the pharmacy every month, especially for prescription drugs you take on a long-term basis – also known as maintenance drugs.
Save a couple of trips with our 90-day prescription program. You can fill up to a 90-day supply of maintenance drugs through this program. The typical cost is two copays, but it may vary per plan.
You can sign up for the 90-day prescription program through Pharmacy Advantage.