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Rural Carrier Benefit Plan
Providing superior service to rural letter carriers nationwide

Prescription benefits overview

2025 Prescription and pharmacy benefits information

Your medicine is important

The RCBP High Option health plan includes comprehensive prescription drug coverage. And offer tools and guidance to help you find covered medicine and understand your costs.

This means you can get access to nationwide network pharmacies, low copays for generic medications and mail-order pharmacy services. Our prescription drug plans offer tools and guidance to help you find covered medicine and understand your costs.

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RCBP knows how important pharmacy benefits are to you—with your plan, you have:

  • Nationwide access to CVS Pharmacy stores
  • Coverage for most FDA-approved drugs
  • Benefits for CVS Caremark Mail Service Pharmacy and CVS Pharmacy stores — obtain up to a 90-day supply of a maintenance drug at either location
  • A $200 per person retail-only calendar year prescription drug deductible*

For complete pharmacy information including, but not limited to our formulary information and prior authorization process, please see Section 5(f) of the brochure.

* This deductible is separate from the plan’s calendar year deductible. It applies only to prescriptions that you buy at any retail pharmacy.

Mail order pharmacy

Ask your doctor to consider prescribing medications from your Prescription Drug Guide/Formulary drug list when medically appropriate. To help save you money, ask if a generic medication is available.

You may also order your prescriptions by mail, internet or phone.

Mail order and Retail pharmacy information

2025 Prescription benefits

(when Medicare is not primary)

Important Information for Medicare primary members (A and/or B) for 2025:
If you have not opted into the Medicare Advantage Plan for RCBP.

All RCBP plans include comprehensive prescription drug coverage. 

Tips for using your prescription benefits:

  • Ask your doctor to consider prescribing medications from your Prescription Drug Guide/Formulary drug list when medically appropriate. To help save you money, ask if a generic medication is available.
  • Fill your prescriptions at a network pharmacy.
  • Renew prescriptions before you run out of your medication, or ask us about our Auto Refill or Renewal Programs.
  • Use Vaccine Network pharmacies to get your flu shot and other covered immunizations — you’ll pay nothing.*
  • To find a participating network pharmacy you will need to register for or login to your Aetna member website
Find a Network Pharmacy

Remember: Certain drugs require preauthorization. Current listings of these drugs are available below. Refer to Section 5(f) of the official Plan brochure for more details on your prescription drug coverage.

*Please note: RCBP offers a Vaccine Network Pharmacy Program that covers seasonal and non-season vaccines, please refer to Section 5(f) of the official Plan brochure for more details.

Talk to a nurse anytime

Nurses are available to answer general medication questions at no cost to you anytime at 1-800-556-1555 (TTY: 711). Select the option to speak to a nurse.

2025 Retail Pharmacy 

Pharmacy Tier 1 (Generic) Tier 2 (Brand Name on the formulary drug list) Tier 3 (Brand Name not on the formulary drug list)
Network Retail Pharmacy (up to a 34-day supply) $7.50 per prescription* or 30% of cost, whichever is lower 30% of cost*; maximum $200 per prescription 30% of cost*; maximum $200 per prescription
Out-of-Network Retail Pharmacy (up to a 34-day supply) 30% of cost* 30% of cost* 30% of cost*
CVS Pharmacy® or CVS Caremark® Mail Service Pharmacy (up to 90-day supply) $10 (No deductible) $50 (No deductible) $80 (No deductible)

Note: A generic equivalent will be dispensed if it is available, unless your physician specifically requires a brand name drug.

* Calendar year pharmacy deductible applies

** Specialty Drugs

2025 Specialty Pharmacy

Pharmacy Tier 4 (Specialty generic drugs) Tier 5 (Specialty preferred brand drugs) Tier 6 (Specialty non-preferred brand drugs)
CVS Specialty® Pharmacy 30-day supply $70 (No deductible) $90 (No deductible) $120 (No deductible)
CVS Specialty® Pharmacy, 90-day supply $100 (No deductible) $125 (No deductible) $250 (No deductible)

Specialty drugs are used to treat chronic complex conditions and require special handling and close monitoring and must be obtained from CVS Specialty® pharmacy.

Note: Preauthorization is required. Call CVS Specialty pharmacy at 1–866-814-5506 (TTY:711).

Note: * Calendar year pharmacy deductible applies

* A generic equivalent will be dispensed if it is available, unless your physician specifically requires a brand name drug.
** Specialty Drugs

Prescription drug guide resources

Are generic drugs really as good as brand names?

You might wonder if generic drugs are as good as brand-name ones. You might think that generic drugs are lower in quality and not as effective as brand-name drugs. This is not true. Generic drugs are:

  • Safe and effective – The U.S. Food and Drug Administration (FDA) holds generic drugs to the same standard as their brand-name alternative. They must have the same active ingredients, be equivalent in strength and dosage, and meet the same standards for safety, purity and effectiveness as the original brand-name product.
  • Cost-effective – You save money when you choose generic drugs over brand-name drugs.

The fact is, generic drugs work just as well as brand-name drugs, but cost less. And generics are available for many brand-name drugs. So when you need a new prescription, ask your doctor if a generic equivalent can be prescribed.

High Option Plan – Cost Calculator

CVS Caremark, on behalf of RCBP administers your prescription benefit plan. Be sure to share the Prescription Drug Guides with your doctor when a drug is prescribed. If you have questions about your prescription benefit plan, call 1-800-292-4182 (TTY:711).

  • RCBP’s formulary/drug guide is an important part of your prescription benefit program. The list includes preferred and non-preferred brand name drugs. Please note that the list changes quarterly and is not meant to be a complete list of drugs covered under your plan.
  • The drugs in the Prescription Drug Guides have been reviewed by members of the CVS Caremark Pharmacy and Therapeutics Committee, composed of doctors and pharmacists. Drugs are assigned to a category based on their clinical effectiveness, safety and cost. The categories offer you a choice of medications, but the cost to you may vary depending on the category into which the medication is placed.
  • Your prescription benefit plan may not cover certain products, even if they appear in the Prescription Drug Guide. Please check your prescription benefit plan to review coinsurance, exclusions and limitations.
  • The drug guide is not intended as a substitute for your doctor’s professional judgment. It’s offered as a tool to help you and your doctor treat your condition and control your medical costs. If you have questions about how your prescription benefit plan works, just call us using the toll-free number listed on your ID card.

Prescription Drug Guide/Formulary

Advanced Control Specialty Formulary

  • For help with any of these prescription drug resources, please call CVS Caremark® at 1-800-292-4182 (TTY: 711).

Have questions? We’re here.

Call 1-800-638-8432 (TTY: 711)

Monday–Thursday, 8 AM–5:30 PM ET and Friday, 8:30 AM–5:30 PM ET

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Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). This is a brief description of the features of this RCBP plan. Before making a final decision, please read the Official Plan brochure. All benefits are subject to the definitions, limitations and exclusions set forth in the Official Plan brochure. 

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