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How to Make the Most of Your Medicare Prescription Drug Plan

Senior woman looking at prescription bottles

Prescription drugs can be a very important part of your health care. If you have a Medicare Advantage health plan from Independence Blue Cross (Independence), we want to make sure you understand your options for getting the medications you need.

There are four important things to know to make the most of your prescription drug plan:

  • When to use a preferred vs. a standard retail pharmacy
  • How to use our mail-order pharmacy
  • Ordering 90-day supplies of your medicines
  • How your drug formulary works

Using a Preferred Retail Pharmacy

Where you fill your prescriptions can affect the cost of your medications. We have three types of in-network pharmacies: preferred, standard, and mail-order. You can save money on Tier 1 and Tier 2 prescriptions by using a preferred retail or mail-order pharmacy.

Preferred retail pharmacies contract with Independence to offer lower cost-sharing to our members. For 2021, these pharmacies include:

  • CVS
  • Giant
  • ShopRite
  • Target
  • Walgreens
  • Wegmans
  • And some independent pharmacies

Your plan also offers you the option of using a standard retail pharmacy, to provide the greatest level of access and convenience. In 2021, these pharmacies include:

  • Acme
  • Costco
  • Rite Aid
  • Sam’s Club
  • Walmart
  • And some independent pharmacies

Using Our In-Network Mail-Order Pharmacy Service

We contract with a pharmacy benefit manager, FutureScripts® Secure, to manage your Part D prescription drug coverage. OptumRx Home Delivery is the pharmacy that FutureScripts uses to fill your mail-order medications.

Through FutureScripts, your prescriptions can be delivered right to your door. You’ll also pay a lower cost-share, helping you save both time and money!

There are three ways to get started:

  • Log in to to transfer a retail prescription using our new prescription drug tools.
  • Call FutureScripts at 1-888-678-7015 (TTY/TDD: 711) 7 days a week, 24 hours a day, to find out if your prescription is eligible for mail order. If so, ask to have it changed from a retail pharmacy to mail order.
  • For new and/or refill medications, ask your doctor to send your prescription to be filled at OptumRx Home Delivery.

Ordering 90-Day Supplies of Your Medications

When you fill a Tier 1 preferred generic or Tier 2 generic medication at a preferred retail pharmacy or via our mail-order pharmacy, you can get a 90-day supply for a 60-day copay.

In addition to saving you money, this can also make it easier to take your medications as directed and stay healthy.

Talk with your doctor about prescribing a 90-day supply of your medicine.

Understanding Your Plan’s Drug Formulary

Your plan’s formulary, or list of covered drugs, puts each drug into one of five different cost-sharing tiers. The amount you pay depends on which cost-sharing tier your medicine is in. In general, tier 1 medications have the lowest cost, and Tier 5 medications have the highest.

In some cases, there may be a lower-tier alternative available for a medicine you are taking. If so, switching to a lower-tier alternative could potentially save you money.

Our easy-to-use Price a Drug tool allows you to check for lower-cost medication options before you get your prescriptions filled.

You should discuss any medication change with your doctor.

We’re Here To Help

I hope this article has helped you understand how to make the most of your plan’s prescription drug coverage. But if you ever have any questions about your medication costs, or need help understanding your plan’s formulary, our Member Help Team is here to assist you. Just call the number on the back of your member ID card.

Whether you are searching for lower-cost alternatives, signing up for mail order, or setting up medication reminders, our personalized tools can make it easy to manage your prescription drug benefits. You can access them by signing in at and navigating to the Mail Order section.

Other pharmacies are available in our network.
OptumRx is an Optum® company — an independent company that provides home delivery pharmacy services.
FutureScripts® Secure is an independent company that provides pharmacy benefit management services.

Y0041_HM_103427_2021 website last updated 11/19/21
IBC11098 (10/21)

Independence Blue Cross offers Medicare Advantage plans with a Medicare contract. Enrollment in Independence Medicare Advantage plans depends on contract renewal. Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East and QCC Insurance Company — independent licensees of the Blue Cross and Blue Shield Association.
Aidan Brown

About Aidan Brown

Aidan supports clinical and quality improvement aspects of Medicare Part D initiatives at Independence. By coordinating with different areas within the company he makes it his priority to address potential gaps in quality while maintaining our members' access to medication and the safety of their prescription regimens. He earned a Doctor of Pharmacy (PharmD) degree from Temple University and an MBA from the Fox School of Business at Temple University.