Prescription benefits overview

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:

If you are a current RCBP member, please find drug cost for your specific benefit by logging into your Caremark.com account. Prescription claim history and specific plan design is considered when your drug costs are estimated.

Please make sure to review messages on the Coverage and Cost Results page to see “Plan Notes” which outline important plan information that may impact your coverage.

Examples could include the following items that may be shown on the page or under “Plan Notes”

• PRIOR APPROVAL IS REQUIRED – Medications that require Prior Approval and/or Specialty pricing & network are not a guarantee of coverage
  • When a drug has any exception or prior authorization pathway available under the plan, the calculator will display the drug along with system‑generated messaging, such as “Prior Authorization Required,” and an estimated tier‑based cost. This display reflects the existence of a potential exception pathway only and should not be interpreted as confirmation of coverage.
• Plan Limitations Exceeded. Examples could include quantity or days supply – Medications that have quantity or other limits
• NOT COVERED OR MAY NOT BE THE APPROPRIATE REGIMEN as defined by your plan – Medications not covered by the plan

Pricing for medications with age or gender specific benefits won’t necessarily provide accurate estimates.

Medications that consider prescription fill history, for copay or coinsurance calculations, may not provide accurate estimates.

Please refer to our posted Formulary for covered medications.

Please call CVS/Caremark at 800-292-4182 for specific medication questions.

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

• • No-Cost Preventive Services List. Opens in a new window