Citi Benefits Handbook
Prescription Drug Benefits at a Glance
New for 2018
Beginning in 2018, if a multisource brand-name drug is dispensed rather than an available, chemically equivalent generic drug, you will pay the difference in cost between the brand-name and the generic drug in addition to your copay. This charge will be applied regardless of whether the doctor or you require the brand-name drug to be dispensed.
Prescription Drug Benefits
 
ChoicePlan 500
High Deductible Health Plan1
Oxford PPO
Annual deductible (in-network and out-of-network expenses combined in ChoicePlan 500 and Oxford PPO)
Individual
$100 per person (prescription drug deductible)
$1,800 in-network/$2,800 out-of-network; includes medical expenses
$100 maximum (prescription drug deductible)
Maximum per family
$200 family maximum (prescription drug deductible)
$3,600 in-network/$5,600 out-of-network; includes medical expenses
(no benefits will be paid to an individual until the family deductible has been met)
$200 family maximum (prescription drug deductible)
Annual out-of-pocket maximum
ChoicePlan 500 and Oxford PPO: Annual prescription drug out-of-pocket maximum includes prescription deductible, prescription coinsurance and prescription copays. In-network and out-of-network expenses are combined. Note: This is separate from the annual medical out-of-pocket maximum.
Eligible prescription expenses within a family can be combined to meet the family out-of-pocket maximum, but no one person can apply more than the individual out-of-pocket maximum amount ($1,500) to the family out-of-pocket maximum ($3,000).
High Deductible Health Plan: Prescription drug expenses count toward the medical annual out-of-pocket maximum.
Keep in mind, you will still pay 100% of the prescription cost after the out-of-pocket maximum is met after the third fill of a maintenance prescription at a retail pharmacy or after the second fill of a specialty medication through a retail pharmacy.
Individual
$1,500 per person (prescription drug out-of-pocket maximum)
$5,000 in-network/$7,500 out-of-network; includes medical expenses
$1,500 per person (prescription drug out-of-pocket maximum)
Maximum per family
$3,000 family maximum (prescription drug out-of-pocket maximum)
$10,000 ($6,850 per individual) in-network/$15,000 ($15,000 per individual) out-of-network; includes medical expenses
$3,000 family maximum (prescription drug out-of-pocket maximum)
Copay/coinsurance — in-network retail pharmacy
Copay/coinsurance for up to a 34-day supply at an in-network retail pharmacy, after you meet your deductible. You may have the same maintenance prescription filled up to three times at a retail pharmacy; on the fourth fill, you will pay 100% of the cost of the medication. However, this medication will be available through home delivery for your 90-day copay.2
  • Generic drug3
$10
  • Preferred brand-name drug4
$30
  • Non-preferred brand-name drug
50% of the cost of the drug, with a minimum payment of $50, to a maximum of $150. If the cost of the drug is less than $50, you will pay the cost of the prescription drug.
  • Contraceptives (hormonal and emergency)
Generics: not subject to annual deductible, and no cost to you
Brand-name drugs: subject to the annual deductible and applicable preferred or non-preferred cost share requirement
Copay/coinsurance — Home Delivery program
Copay/coinsurance for a 90-day supply through the Express Scripts Home Delivery program after you meet your deductible.
  • Generic drug3
$20
  • Preferred brand-name drug4
$75
  • Non-preferred brand-name drug
50% of the cost of the drug, with a minimum payment of $125, to a maximum of $375
  • Oral contraceptives (hormonal and emergency)
Generics: not subject to annual deductible, and no cost to you
Brand-name drugs: subject to the annual deductible and applicable preferred or non-preferred cost share requirement
Copay/coinsurance — specialty medication
Copay/coinsurance for a 30-day supply of specialty medication through the Accredo Specialty Pharmacy after you meet your deductible.5
  • Generic drug3
$20
  • Preferred brand-name drug4
25% of the cost of the drug, with a minimum payment of $50, to a maximum of $150
  • Non-preferred brand-name drug
50% of the cost of the drug, with a minimum payment of $100, to a maximum of $250
Out-of-network benefits
Benefits at an out-of-network pharmacy.
Reimbursed at the contracted rate after you have met the annual deductible and paid the applicable copay
Lifetime maximum benefit for fertility drugs
Fertility drugs are limited to $7,500 per lifetime per covered family
1 In the High Deductible Health Plan (HDHP), you must meet your combined medical/prescription drug deductible before the Program will pay benefits, except for certain preventive drugs. To determine whether your medication is considered preventive, visit www.express-scripts.com. Your cost for these preventive drugs is the applicable copay or coinsurance, which will count toward your out-of-pocket maximum.
2 Retail pharmacy purchases are not reimbursable under the Program after three refills of the same maintenance drug.
3 The use of generic equivalents whenever possible (through both the retail and Express Scripts Home Delivery programs) is more cost-effective. Ask your medical professional about this distinction. If you request a brand-name drug and a generic alternative is available, you will pay the difference between the cost of the brand-name drug and the generic drug in addition to the copay for the generic drug.
4 Citi does not determine preferred brand-name drugs. Rather, Express Scripts brings together an independent group of practicing physicians and pharmacists who meet quarterly to review the preferred brand-name formulary list and make determinations based on current clinical information. Call Express Scripts at 1 (800) 227-8338 or visit www.express-scripts.com for a copy of its Preferred Formulary (updated at least quarterly).
5 You are required to fill the prescription through Accredo. In the event of an emergency, please contact Express Scripts to fill the prescription. You will be charged only the applicable retail/specialty copay.
Note: For the ChoicePlan 500 and Oxford PPO, pharmacy and/or Express Scripts Home Delivery copays do not count toward your medical plan's annual deductible or out-of-pocket maximum, as there is a separate pharmacy deductible and a separate pharmacy out-of-pocket maximum.