YourRFBenefits
Prescription Drugs: Preferred & Non-preferred Drugs

There are three categories of covered drugs with three different copayments: generic drugs, preferred brand-name drugs, and nonpreferred brand-name drugs.

 

 

Generic Drugs

You will pay the lowest copayment for generic drugs. Generics are equivalent to their brand-name counterparts, and are ensured by the Food and Drug Administration to be as safe and effective.  However, generics cost 30 to 70 percent less than brand-name drugs.

 

Preferred Brand-Name Drugs

These are drugs for which generic equivalents are not available. They have been in the market for a time and are widely accepted. Express Scripts has arranged a significant discount on these drugs.  They cost more than generics, but less than nonpreferred brand-name drugs.

 

You may obtain a list a preferred brand-name drugs at www.express-scripts.com or by calling 800-818-6632.

 

Non-preferred Brand-Name Drugs
These drugs have the highest copayment, and there is a special coinsurance amount of 50 percent for fertility medications. Generally these are higher-cost medications that have recently come on the market. 
In most cases, an alternative preferred medication is available. If a physician prescribes a brand-name drug when a generic equivalent is available, you must pay the difference in cost in addition to a copayment.

 

If you require a nonpreferred brand-name drug, you can ask Express Scripts to review your case.

Contact your campus Benefits Office for more information on addressing these types of cases.

 

Contact your campus benefits office for more information.

 
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