Prescription Drug Coverage with Health Insurance

Do you currently take prescription medication and are without health insurance?

If so, here is how prescription drug coverage is offered through various Illinois health insurance carriers.

Blue Cross and Blue Shield of Illinois only offers a $10 copay for generics on 3 of their plans offered.  Brand and Preferred Brand name drugs will be paid at a percentage by the insured, usually 35-50%.  All other plans will require you to pay the discounted (when pharmacy is in carriers network) price that is applied towards your plans deductible or out-of-pocket expense.


Majority of Aetna's plan's offer an upfront $15-$20 copay for generics, then will subject the insured to a separate $500 or $1,000 deductible before Brand or Preferred Brand name drugs are subject to a copay of $30/$40 that are not applied to the plan.


Humana, Celtic, United Health Care and Assurant have similar Rx benefit schedules to Aetna's.


Some carriers will only offer a discount on Rx,  not applicable to the plans deductible or to the plan itself.  Going this route will save substantial money in premium.  Not recommend for someone who takes a Brand Name drug routinely.

Hope this helps!

-The Shoppe