- Stop and Compare drug pricing from location to location as prices can change monthly
- Swap your prescriptions for over-the-counter drugs, if possible.
- Use generic drugs, whenever possible.
- Look into mail order, it could save you money and time.
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Getting the most out of your healthcare insurance coverage is important. If you understand your pharmacy benefit and how it works, you can use it to save money on the cost of your prescriptions and thus maximize your benefit.
It is important to work with your doctor on how best to maintain your good health and how to successfully manage any existing health conditions you may have.
When medicines are needed to treat a health condition, be sure that you understand how to get the most effective drug treatment while controlling the cost of your prescriptions.
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If traveling and a medical emergency occurs that requires prescription medication, simply take the prescription to one of our 40,000 participating pharmacies across the nation, including Walgreens, CVS, and Wal-mart Pharmacy locations. If unable to locate a participating pharmacy, take the prescription to a local pharmacy. The member may be required to pay the full price of the prescription. When they return home, submit the pharmacy claim for reimbursement. In order for PHP to consider the claim, they must include the receipt, name of the medication, quantity, diagnosis, date of service, and member name and number.
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Yes. We use Express Scripts, a mail service pharmacy program that provides fast and convenient delivery of maintenance medications directly to your home for up to a 90-day supply. You pay only the copayments as determined by your benefit plan, just as if you were receiving a prescription filled at the local pharmacy. Express Scripts can be reached at (800) 557-3952 or visit the Express Scripts Pharmacy Web site at www.express-scripts.com. To obtain a mail order form or for information about the mail order program, please contact our Customer Service Department.
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Specialty drugs are generally injectable, high-cost medications that have special handling requirements or require special training before use. These types of medications may be obtained through our specialty pharmacy, unless administered by a participating PHP network provider. Depending on the benefit plan, specialty drugs may have a different copayment and out-of-pocket expense than the three-tier pharmacy structure.
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