Prescription Drugs – Team Benefits

How the Curative PPO and EPO Plans Work

Short-Term Prescriptions

For short-term prescriptions (30-day supply), you can fill your prescriptions through retail pharmacies. Find the nearest network pharmacy by visiting curative.comn/teaminc or calling the Customer Care number on your ID card.

Long-Term Prescriptions

Maintenance drugs are drugs you take for long-term or chronic conditions, such as insulin for diabetes or blood pressure medication. Curative medical plans offer savings when you get 90-day supplies of these medications.

You have two ways to get your prescriptions:

Take advantage of mail order. Your medications will be delivered directly to you at home. To get started, visit curative.comn/teaminc, email health@curative.com or call 855-428-7284.
Pick up your prescriptions at a nearby preferred retail pharmacy. Find one near you by visiting curative.comn/teaminc or by calling the Customer Care number on your ID card.

Save Time and Money with 90-Day Fills

If you take maintenance medications, it pays to use the home delivery service or a preferred pharmacy.

Curative EPO and PPO Prescription Drug Coverage at a Glance

Here’s what you pay when you get a prescription filled. Your cost is determined by the tier assigned to the prescription drug: Generic, Formulary Brand, Non-Formulary Brand, or Specialty Drugs.

	Curative In-Network With Baseline Visit	Curative In-Network Without Baseline Visit	Curative Out-of-Network
	In-Network	In-Network	In-Network
Retail Rx (30-day supply)
Generic	$0	$50^*	50%^*
Formulary Brand^**	$0	$50^*	50%^*
Non-Formulary Brand	$50	$100^*	50%^*
Specialty Drugs	$250	25%^*	50%^*
Mail Order Rx (90-day supply)
Generic	$0	$50^*	50%^*
Formulary Brand^**	$0	$50^*	50%^*
Non-Formulary Brand	$50	$100^*	50%^*
Specialty Drugs	$250	25%^*	50%^*

^*After Deductible

^**The formulary drug list is updated annually, and medications may be added or removed. Before you fill a prescription, view the list or talk with your pharmacist to be sure you are getting a formulary brand or a generic option, if available.

Kaiser HMO Prescription Drugs at a Glance (California Only)

Prescription drug benefits are provided by the HMO. Here’s what you pay when you need a prescription filled. For more details, visit kp.org or call 800‑464‑4000.

	Kaiser HMO (California only)
	Retail (Up to 30-day supply)	Mail-Order (Up to 100-day supply)
Prescription drug deductible	None
Generic	$10 copay	$20 copay
Brand-name	$20 copay	$40 copay
Specialty	20% ($200 maximum)	N/A
Out-of-pocket maximum	Combined with medical: $1,500 individual $3,000 family

Two Simple Ways To Save Money

Ask about generics. When your doctor prescribes a medication, find out if there’s a generic available. Generic drugs use the same active ingredients as brand-name equivalents but cost about 80–85% less. If there’s no generic available, check to see if the medication is on your prescription drug plan’s preferred drug list.
Shop around. Pharmacies charge different amounts for drugs, and the costs can vary widely. Use goodrx.com to get cost estimates before you fill your prescription.