Mail Order medicine has grown significantly over the last 5 years in the insurance industry. There are several positives aspects for employees that use maintenance drugs. Under a mail order service you can receive a 90-day supply of medication. Another great advantage is how easy the refill process can be handled. Most mail-order pharmacies allow you to order refills online, by mail or by phone anytime of the day or night.
How Can I Find a Mail-Order Pharmacy?
Most health insurance companies work with organizatinos known as Pharmacy Benefits Managers (PBMs), which manage the drug benefit for the health plan. Since these companies can buy medications in large quantities directly from the drug companies, they are able to offer you discounts on medications that you order through the mail. The largest PBMs in the country, Medco, Caremark and Express Scripts, provide mail-order drugs to more than 100 million people.
A big question often asked is: How is my Health Insurance impacted when using Mail-Order?
If you have drug coverage as part of your health plan, check your Summary Plan Design (SPD) and your health plan’s website to see if your health plan uses these programs. Since your medication is being paid for by your health insurance, you are responsible only for the copayment. You will also be able to find the copayment structure in your Summary Plan Design. If you are ordering a brand name prescription drug, your best option to save money is most likely a 90-day supply from your health plan’s PBM.