HSA Plan Prescription Drugs

About HSA Plan Prescription Drug Coverage

If you are enrolled in the HSA Plan, you must pay all out-of-pocket costs for prescription drugs until you meet your annual deductible with the exception of Tier Zero drugs (see below).

You can use your HSA to pay for your prescription drug costs. After you meet the deductible, you will pay the applicable co-insurance amount under the HSA Plan, up to the “30-day Retail Maximum.”

The following table shows what your responsibility is once your deductible is satisfied. For example, if the table shows coinsurance is 20%, the plan will pay 80% of the cost of the prescription drug and you are responsible for the other 20%. However, there is financial protection built into the prescription drug benefit in that you will never pay more than the “30-day Retail Maximum,” outlined in the table below:

To determine your coverage tier or cost, call CVS Caremark at 866-601-6935.

Maintenance Drugs

If you take any maintenance prescription medications to treat certain ongoing medical conditions, you will need to fill your 90-day prescriptions in one of five ways:

1. Through the CVS/Caremark mail-order service;
2. At a CVS retail pharmacy location (at the mail-service cost);
3. At a Target retail pharmacy location (at the mail-service cost);
4. At an Emory pharmacy (at the mail-service cost); or
5. At a Costco, Kroger, and several independent pharmacies (effective April 1, 2024).

If you attempt to fill a maintenance drug at a pharmacy other than the above options, you will be charged the full retail cost.

View list of Maintenance Drugs

Tier Zero Drugs

Prescription medications used to prevent and treat chronic health conditions such as congestive heart failure, diabetes, high blood pressure, high cholesterol, tobacco addiction and more, are covered at 100% which means you pay $0 for these drugs.

View list of Tier Zero Drugs