How do I know if my plan covers my prescription drug?

You may have a lot of questions for your doctor when you visit. If the one question you forget to ask is “Will my plan cover the drug you’re prescribing?”—we’ll tell you how to get the answer.

Online

Most Blue Cross Blue Shield of Michigan and Blue Care Network members can find out if a medication is covered by logging on to Member Secured Services.

• After you've logged in, select the Hospitals, Physicians and Medications tab. The link to Medco Online Pharmacy will take you to Express Scripts (Medco's old name). You won't have to log in again.

In the left-hand column under “Prescriptions & benefits,” select “Price a medication” and follow the instructions. You’ll need to know the name of the medication, the dosage, and how often you’ll be taking it.

Using a drug list

You can look at a drug list, also called a formulary, to see if your plan covers your medication. What’s a drug list? It’s a list of drugs approved by the U.S. Food and Drug Administration and covered by Blue Cross Blue Shield of Michigan and Blue Care Network.

• You can find the drug list for your plan here.
• "How to read a drug list" will help make it easier to understand formularies.

Related Items

• Why do I need prior authorization for a prescription drug?
• How to save money on prescription drugs
• What are specialty drugs?
• How to read a drug list