How to save money on prescription drugs
Who is this for?
If you’re looking for ways to save money on your medications, this information will give you some tips on how to cut costs.
When your doctor prescribes medication, it’s a relief to have prescription drug coverage through Blue Cross Blue Shield of Michigan and Blue Care Network. Even then, your share of the cost may be a concern. That’s why we’re always looking for ways to save you money. Here are some tips and programs to help you get the most savings on prescription drugs.
Select one of the topics below to learn more:
Embrace generic drugs
Buy in bulk
Savings for Blue Cross Blue Shield of Michigan members (traditional and PPO)
Savings for HMO plan members
Benefit coordination helps you save
Coverage for female contraceptives
Don’t judge a drug by its name. Generic drugs—medication without all the fancy advertising—are safe and work just as well brand name drugs. They also lower your copays and overall costs. Need proof?
- Theunadvertisedbrand.com. Get news about generic drugs, calculate cost savings and more
Save money and time with fewer refills. In many cases, you can get a 90-day supply of the medication you take on a regular basis.
Not all medications are available in a 90-day supply. Here's how to find out if your prescription is eligible:
- Log in to your account at bcbsm.com.
- Hover over My Coverage in the blue bar at the top of the page.
- Select Prescription Drugs from the drop down.
- Click the link for Price a drug and view additional benefit requirements. It will take you directly to Express Scripts®. You won’t have to log in again.
- Enter the name of the drug and follow the instructions. You’ll need to know the dosage and how often you’ll be taking it.
- You’ll get an alert if your medication has a quantity limit.
You can also see if your medication is in a Quantity Limit drug list. You'll find those drug lists here.
Brand name or generic, it’s cheaper to take one pill a day instead of two. If you take your medication more than once a day, ask your doctor whether you can take a stronger dose less frequently. You can look up your medication here:
- Blue Cross Blue Shield of Michigan members: Dose Optimization Program list (PDF)
- Blue Care Network members: Quantity Limits (PDF)
These programs aren’t available with all plans; call the number on the back of your enrollee ID card to see if you’re eligible.
- Do you take Mevacor®, Pravachol® or Zocor®? If your doctor says you can switch to the generic version, we’ll waive your first three copays (if you fill your prescription monthly) or one copay for a 90-day supply.
- If your brand name prescription drug is on our Generic Copay Waiver list (PDF), and your doctor says you can switch to generic, we’ll waive the copay for your first month’s supply.
- We’ve reduced the copayment for select medications used mainly to control asthma to the lowest or Tier 1 copayment. For example, a member whose drug rider has a $40 copayment for formulary preferred (Tier 2) drugs and a $10 copay for Tier 1 drugs (mostly generics), will pay just $10 for these brand-name controllers.
If you’re covered by more than one prescription drug plan, you can save money by presenting the correct health plan card whenever you have a prescription filled.
- When your primary coverage is through another insurance carrier, present that insurance card to the pharmacy.
- If your prescription would normally be covered by Blue Care Network, you can be reimbursed for our allowed amount less any applicable copayment. Submit your pharmacy receipts using this reimbursement form.
Under the Patient Protection and Affordable Care Act, also known as National Health Care Reform, generic contraceptives and diaphragms may be fully covered by your plan with no copayment requirement, even if your plan doesn‘t include prescription drug coverage. Check your plan benefits or call the Customer Service number on the back of your ID card and we’ll help.