My Pharmacy Bene昀椀ts Express Scripts (ESI) • www.express-scripts.com • 877-816-8717 Prescription Drug Coverage for Medical Plans Your prescription drug program will be coordinated through Express Scripts (ESI). Your cost is determined by the tier assigned to the prescription drug product. All prescription drug products on the prescription drug list (Express Scripts' National Preferred Formulary) are assigned as Generic, Preferred, Non-Preferred and Specialty. You may contact ESI for information on your bene昀椀t coverage and search for network pharmacies by logging on to www.express-scripts.com or calling ESI Customer Care at 877-816-8717. Why Do My Prescriptions Cost So Much? In recent years, drug costs have increased, outpacing in昀氀ation by nearly four times annually. Rising drug costs are one of the single largest causes of the ballooning cost of health care. Although rising drug costs are inevitable, there are many ways you, the patient, with the help of your physician, can minimize your prescription drug costs while maintaining the same quality of health. You share the cost of your medications with your employer. Your share of the cost is called a copay or coinsurance. Some plans offer lower copays for less costly drugs. For example, they charge one copay for a Generic drug, a higher copay for a Preferred drug, and an even higher copay for a Non-Preferred drug. Coinsurance is a percent of the drug’s cost. When you pay a percentage, your cost may be high for many reasons: » The cost of the drug may be high. Let’s assume your coinsurance is 20%. In this case, a $250 drug will be more costly than a $25 drug. » Your drug may not be on the Preferred Drug List, so you pay at a higher tier. » You may be buying a more expensive brand-name drug when there is a generic equivalent available for less money. How Can I Minimize My Medication Costs? » Consider Mail Order for your maintenance medications. You receive a 3-month supply for only two copays if you 昀椀ll your prescription at RxONE. Example: EPO PLAN ANNUAL COST PRESCRIPTION GENERIC – IN-HOUSE $10 per month $120 GENERIC – MAIL ORDER $20 per 3 months $80 YOUR ANNUAL SAVINGS N/A $40 » You can explore the bene昀椀ts available to you before enrolling by visiting https://www.express-scripts.com/fmolhs. Here you can review plan options, 昀椀nd prices on medications under the plan, and explore an overview of the bene昀椀ts offered. » Print a copy of the Express Scripts National Preferred formulary and bring it with you when you visit your physician. Log on to www.express-scripts.com, and click on Register. Once you complete the registration you will have access to your account information, bene昀椀ts and formulary list. » Let your physician know that you would like to try generics 昀椀rst, if that is an appropriate option for you. » Ask your provider if there are Over-the-Counter (OTC) products available to obtain the same results as prescription medications. Often these OTC products will be less expensive than your copay and will provide the same relief. » Get a $5 discount when you 昀椀ll your prescription at an in-house pharmacy. Get an additional $5 discount when your prescription is written by the Franciscan Clinic and 昀椀lled at the in-house pharmacy. Refer to page 27 for a listing of the in-house pharmacy locations/services. 25