Prescription Drug Overview

You automatically receive prescription drug coverage when you enroll in the OAP, OAP HSA 1, or the OAP HSA 2 medical plans.

With the prescription drug benefit through CVS Caremark, you can either get your prescriptions at a participating retail pharmacy or use their mail order service.

To get started, sign in or register at caremark.com/startnow and follow the instructions to:

  • Request a new 90-day prescription
  • Refill an existing prescription, if available to you

Additional tools and resources are available to you to help you manage your prescriptions at caremark.com.

Access the CVS Caremark Prescription Drug Lists

Becoming familiar with the CVS Caremark prescription drug lists can save you time and even money. Visit caremark.com for the most up-to-date lists, including the formulary, medications that require preauthorization, and preventive generic drug lists. Be sure to check back often as these lists are occasionally updated.

Keep in mind that you pay nothing for prescription drugs found on the preventive generic drug list.

Need Another CVS Caremark ID Card?

If you're enrolled in an XL Catlin medical plan, you'll receive two CVS Caremark pharmacy ID cards in the mail. The ID cards have your name on them, but will apply to all covered family members.

You may obtain additional ID cards by:

  • Visiting caremark.com to access and print them
  • Accessing your ID card using the CVS Caremark mobile app
  • Calling CVS Caremark at 844-462-0196

Save Time and Money on Your Prescriptions

Through CVS Caremark, you have access to the following features:
  • ScriptSync: Schedule multiple prescriptions for pickup at the same time—at no cost to you. To get started, sign in to caremark.com and go to the Automatic Refills page to see which of your prescriptions are eligible for you to pick up together.
  • Check Drug Cost tool: Quickly check drug costs and see real-time lower-cost available options. Access the tool by going to caremark.com or through the CVS Caremark mobile app.
For more information, go to caremark.com and see how you can save time—and money—on your prescriptions.
Rx — OAP

Review the chart on this page for the details about prescription drug coverage for the OAP medical plan.

OAP

Plan Features 
Rx Deductible (Single/Family)$125/$250
Rx Out-of-Pocket Maximum (Single/Family)$1,250/$2,500

Short-term Prescription Drugs:

CVS Caremark Retail Pharmacy Network (Up to a 30-day supply)1

Generic$10 for one 30-day supply
Preferred30% for one 30-day supply
Non-Preferred40% for one 30-day supply

Long-term Prescription Drugs:

CVS Caremark Mail Service Pharmacy or CVS Pharmacy Locations (Up to a 90-day supply)

Generic$20 copay
Preferred20%
Non-Preferred30%
  1. Specialty drugs follow plan coinsurance.

Note: When a generic is available, but the pharmacy dispenses the brand-name medication for any reason, you’ll pay the difference between the brand-name medication and the generic plus the brand copay. The difference does not apply to the deductible or out-of-pocket maximum.

Is Your Prescription Drug Covered?

To find out if your prescription drug is covered, use the prescription drug estimator tool.

Rx — OAP HSA 1

Review the table on this page for the details about your prescription drug benefits.

OAP HSA 1

  Plan Features
Rx Deductible (Single/Family)Medical deductible applies ($1,500/$3,000)
Rx Out-of-Pocket Maximum (Single/Family)Medical out-of-pocket maximum applies ($4,000/$8,000)

Short-term Prescription Drugs1

CVS Caremark Retail Pharmacy Network (Up to a 30-day supply)

Generic20% for one or three 30-day supplies
Preferred30% for one or three 30-day supplies
Non-Preferred40% for one or three 30-day supplies

Long-term Prescription Drugs

CVS Caremark Mail Service Pharmacy or CVS Pharmacy Locations (Up to a 90-day supply)

Generic20%
Preferred30%
Non-Preferred40%
  1. Specialty drugs follow plan coinsurance.

Note: When a generic is available, but the pharmacy dispenses the brand-name medication for any reason, you will pay the difference between the brand-name medication and the generic plus the brand copay. The difference does not apply to the deductible or out-of-pocket maximum.

Is Your Prescription Drug Covered?

To find out if your prescription drug is covered, use the prescription drug estimator tool.  Note: If you are located in Puerto Rico, you will need to use the OAP Plan prescription drug estimator tool.

Rx — OAP HSA 2

Review the table on this page for the details about your prescription drug benefits.

OAP HSA 2

Plan Features
Rx Deductible (Single/Family)Medical deductible applies ($2,500/$5,000)
Rx Out-of-Pocket Maximum (Single/Family)Medical out-of-pocket maximum applies ($5,000/$10,000)

Short-term Prescription Drugs1

CVS Caremark Retail Pharmacy Network (Up to a 30-day supply)

Generic20% for one or three 30-day supplies
Preferred30% for one or three 30-day supplies
Non-Preferred40% for one or three 30-day supplies

Long-term Prescription Drugs

CVS Caremark Mail Service Pharmacy or CVS Pharmacy Locations (Up to a 90-day supply)

Generic20%
Preferred30%
Non-Preferred40%
  1. Specialty drugs follow plan coinsurance.

Note: When a generic is available, but the pharmacy dispenses the brand-name medication for any reason, you will pay the difference between the brand-name medication and the generic plus the brand copay. The difference does not apply to the deductible or out-of-pocket maximum.

Is Your Prescription Drug Covered?

To find out if your prescription drug is covered, use the prescription drug estimator tool. Note: if you are located in Puerto Rico, you will need to use the OAP Plan prescription drug estimator tool.

Maintenance Choice Program
If you take long-term medications, you’ll need to fill a 90-day supply through mail order or retail pickup at CVS through the Mandatory All Access Maintenance Choice program in order for your prescription drug to be covered by the plan.

With this program, you can avoid paying more for your long-term prescriptions. All you need to do is have 90-day supplies filled through the CVS Mail Service or at a CVS pharmacy.

Whether you choose delivery or pick-up, you can:
  • Save money: You’ll pay less for 90-day refills.
  • Get shipping at no extra cost: 90-day refills are delivered in discreet packaging and can be tracked on line at caremark.com.
  • Have peace of mind: You’ll have the medications you need, when you need them.
To get started, call the Customer Care number on your Prescription ID card or visit caremark.com.
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