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FAQs
How can I find out information about the cost of prescription drugs?
After you enroll for medical coverage, visit www.medco.com and register. Enter your user name and password, then click "Savings Advisor," which is located in the left navigation bar. Enter the name of your prescription(s) and the dosage. Medco's Savings Advisor will show you the cost of your prescription(s) at the retail pharmacy and through mail-order. The Savings Advisor will also show you lower-cost alternatives to your medication.
Do prescription drugs count toward the out-of-pocket maximum or the deductible?
No.
What are lifestyle drugs?
Lifestyle drugs are medications that treat the symptoms of non-life-threatening conditions that are sometimes the by-products of natural aging. Drugs like Botox or Renova (used to treat wrinkles), Propecia (which is used for hair loss) and Viagra (which is used to treat erectile dysfunction) are considered lifestyle drugs.
How do I participate in the mail order program?
Mail order is a great way to save money on some maintenance prescription drugs. Once you have enrolled in a medical option, you will receive information in the mail from Medco about the prescription drug mail order program. To participate in the mail order program, you must complete a program form which is available from the Forms section of McGrawHillBenefits.com and from the Human Resources Portal on the McGraw-Hill Companies Intranet.
You only need to complete the form once. Then, when you need a prescription for maintenance drugs, ask your doctor to write a 90-day prescription for you, rather than a 30-day prescription. If you need refills, your doctor should indicate so on the prescription. Mail the prescription to Medco. Once it is processed, your prescription drugs will be mailed to your home. When you need a refill, call Medco 1-800-807-5607 number or request a refill online.
If I get my prescription drugs from my local pharmacy, what do I need to do?
When you visit a retail pharmacy, show your Medco card and the pharmacist will ask you to pay coinsurance amount, a percentage of the drug's cost.
My doctor will not prescribe generics. Can I pay the Tier 1 rate for a Tier 2 or Tier 3 drug?
As a healthcare consumer, you have the right to ask your physician for other options…and you should. You will always pay the appropriate coinsurance amount based on the prescription your doctor writes.
If your doctor prescribes a generic (Tier 1), you will pay 10% of the drug's cost. If your doctor prescribes a Tier 2 or Tier 3 drug, you will pay 30% or 50%, respectively.
I cannot tolerate generics. Can I pay the Tier 1 rate for a Tier 2 or Tier 3 drug?
If you cannot tolerate a certain generic, you have the option of asking your doctor about other generics or therapeutic alternatives. You will always pay the appropriate coinsurance amount based on the prescription your doctor writes.
If your doctor prescribes a generic (Tier 1), you will pay 10% of the drug's cost. If your doctor prescribes a Tier 2 or Tier 3 drug, you will pay 30% or 50%, respectively.
How are specialty drugs handled through Medco's mail order program?
Specialty medications are treated similarly to other time-sensitive medications being shipped via home delivery. They are usually shipped via two-day delivery unless there are extraneous circumstances and the member urgently needs his/her medication.
How are temperature-sensitive prescriptions, such as Insulin, handled through Medco's mail order program?
There are three types of packaging that will be utilized: warm, moderate and cold weather packouts. The determination as to which of these is used will be based on the 9:00 a.m. outside temperature at the pharmacy from which the order is shipped. Some exceptions apply:
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From June through September all Insulin orders will be packaged and shipped using the Warm Weather packout (for temperature above 72 degrees).
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In some situations, the 9:00 a.m. temperature reading may not be indicative of the actual temperature conditions for the remainder of the day. This may occur in Nevada, for example, where a cool morning may be followed by a very hot afternoon. When such conditions are anticipated, the temperature reading should be taken later in the day, e.g. 11:00 a.m.
Many specialty medications are subject to temperature sensitivity, including but not limited to: Avonex (MS therapy), Enbrel (Rheumatoid Arthritis therapy), and Humatrope (growth hormone.)
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