Photocopy your drug formulary and give it to each of your doctors: Your formulary lists the drugs that are available at lower co-payments. Give a copy of the formulary to each doctor you see. Discuss with your doctor whether the drugs with lower co-payments are appropriate for you.
Some GIC plans continuously update their formulary, while others update throughout the year and then produce a new formulary in January. Express Scripts, the pharmacy benefit manager for Commonwealth Indemnity Plan members, mails its new formulary to members at the beginning of December; it's also available on their website. Other GIC health plans post the formularies on their websites, or members can call and have a formulary mailed to them.
Mail-Order: If you are taking prescription drugs for a long-term condition such as asthma, high blood pressure, allergies, or high cholesterol, switching your prescription from a retail pharmacy to mail-order will save you money - up to one co-pay every three months. For example, if you are in Navigator by Tufts Health Plan, you would pay $20 each month for a tier 2 drug from a local pharmacy, but only pay $40 every three months if you use mail-order. By using mail order, you would save $80 per year per tier 2 drug. Plus, you'll have the convenience of home delivery.
It's easy to get started on mail-order. Have your doctor write a prescription for up to a 90-day supply of your medication, plus refills for up to one year if appropriate. Complete a mail order form, available from your prescription drug plan, and send it with your prescription and co-pay to the address listed.
This information provided by the Group Insurance Commission.