Prescription Drug

If you enroll in a John Hancock medical plan, prescription drug coverage is included through Express Scripts (ESI) and offers both retail and mail order prescription coverage.

While there are many factors that drive prescription drug costs that are out of your control, there are steps you can take to save money:

  • Consider an over-the-counter treatment first. For minor ailments like heartburn or allergies, ask your doctor if you can try an over-the-counter treatment first. You’ll save in two ways – it costs less, and you won’t have to pay for a doctor visit to get a prescription.
  • Request generic-equivalents when possible. Generic drugs typically cost significantly less than brand-name drugs, and in most instances, they are as effective as brand name drugs. Discuss all drug alternatives with your physician or pharmacist by asking if a generic is available and appropriate for your situation.
  • How to fill a prescription

    Retail

    To fill a prescription, you may use a participating retail pharmacy including CVS, Walgreens, Walmart and many others. You may receive up to a 30-day or 90-day supply of medications at any of these participating retail pharmacies. Make sure to have your UHC ID card available when filling a prescription. To locate a pharmacy, visit www.express-scripts.com.


    Mail Order

    You can save money on select prescription drugs by having them shipped to your home rather than picking them up at the pharmacy. Express Scripts has its own mail order program—Express Scripts Pharmacy. With Express Scripts Pharmacy, you can receive up to a 90-day supply of medications by mail.

    To fill a prescription via mail order, provide your UHC ID card to your doctor, and your doctor can fill the prescription via Express Scripts Mail Order. When the prescription is filled, it will be shipped to your home address.

  • Ordering refills

    If you were enrolled in a plan with JH in 2018, in most cases, refills were automatically transferred and you can continue receiving your prescription at your local retail pharmacy or via Express Scripts Pharmacy. However, new medications may require a prior authorization from Express Scripts to ensure that you are receiving the appropriate medication. Your doctor will complete any prior authorizations on your behalf. Note that in some cases it may take a few days, if your medication requires it.

    Important! If you have a prescription that has expired or has no refills remaining, you must work with your provider to submit a new prescription with Express Scripts.

    You may request a new refill by:

    • Phone – Contact Express Scripts at 855-667-8599.
    • Online – Visit www.express-scripts.com, sign in to your account and choose which of your current prescriptions you’d like to refill.
    • Express Scripts mobile app – Use the app to refill prescriptions, check an order status, view alerts, find a local pharmacy and more. To get started, simply search “Express Scripts” in your mobile device’s app store, download it, create an account, and sign in.
  • Comparing prescription drug coverage under each medical plan
    • If you enroll in the Investor Plan (HSA), you will pay the full cost of any non-preventive prescriptions you receive until you meet the combined medical and prescription drug deductible. Once you meet the deductible, you will pay the coinsurance. Note that certain preventive drugs will bypass the deductible.
    • If you enroll in the Premium or Core plan, you will pay the applicable prescription drug copay or coinsurance amount.
    Premium Plan Core Plan Investor Plan (HSA)
    At participating Retail Pharmacies
    (30-day supply)
    You Pay:
    • Low Cost Generic: $5 copay
    • Generic: $10 copay
    • Formulary: 25% ($50 max)
    • Non-Formulary: 40% ($80 max)
    You Pay:
    • Low Cost Generic: $10 copay
    • Generic: $20 copay
    • Formulary: 25% ($50 max)
    • Non-Formulary: 40% ($80 max)
    You Pay:
    20% after the deductible (except for certain preventive drugs, which bypass the deductible)
    At participating Retail Pharmacies
    (90-day supply)
    You Pay:
    • Low Cost Generic: $15 copay
    • Generic: $30 copay
    • Formulary: 25% ($150 max)
    • Non-Formulary: 40% ($240 max)
    You Pay:
    • Low Cost Generic: $30 copay
    • Generic: $60 copay
    • Formulary: 25% ($150 max)
    • Non-Formulary: 40% ($240 max)
    You Pay:
    20% after the deductible (except for certain preventive drugs, which bypass the deductible)
    Mail Order
    (90-day supply)
    You Pay:
    • Low Cost Generic: $15 copay
    • Generic: $25 copay
    • Formulary: $60 copay
    • Non-Formulary: $100 copay
    You Pay:
    • Low Cost Generic: $30 copay
    • Generic: $50 copay
    • Formulary: $60 copay
    • Non-Formulary: $100 copay
    You Pay:
    20% after the deductible (except for certain preventive drugs, which bypass the deductible)
  • Are you or a family member taking a specialty medication?

    Specialty medications are typically used to treat complex conditions like multiple sclerosis, cancer and hemophilia. These medications will be supplied through Accredo—Express Script’s specialty pharmacy.

    If you or a family member require medication to treat these types of complex conditions, you can contact Accredo (ESI’s Specialty Pharmacy) at 800-803-2523 or by visiting www.express-scripts.com.

  • ID cards

    If you enroll in a John Hancock medical plan, you will receive one ID card for both Medical and Prescription Drug coverage. For instructions on how to order additional cards, replacement cards or for more information, click here.

John Hancock and Manulife Financial reserve the right to modify or amend, at any time and in any way whatsoever, the terms of these plans, including eligibility requirements, and to terminate the plans completely.