Prescription Drug Coverage
Automatically get prescription drug coverage when you enroll in a CF Industries medical plan.
The CF Industries medical plans provide prescription drug coverage through Prime Therapeutics. Prime Therapeutics provides you access to a wide network of pharmacies such as CVS and Walgreens. To find an in-network pharmacy, visit www.bcbsil.com and click on “Find a Pharmacy.”
The cost for each prescription depends on the formulary tier it is in:
- Generic – Generic drugs have the same active ingredients as the brand-name.
- Preferred brand – These drugs are not available in the generic form.
- Non-preferred brand – Some non-preferred brands are covered on the Prime Therapeutics formulary list. Those not on the list are not covered.
- Specialty – Specialty medications are provided through Accredo. Contact Accredo directly by calling 833-721-1619 or visiting accredo.com. You can also contact a BCBSIL health advocate at 888-902-8293 to help facilitate the conversation with Accredo.
Mail Order / Home Delivery Pharmacy
You have the choice of filling maintenance medications in a 90-day supply through Express Scripts Mail Order or at a retail pharmacy (Prime’s Extended Supply Network Pharmacies).
Prescription Coverage At-a-Glance*
| Type of Prescription | Advantage PPO with HSA (In-Network) | Standard PPO (In-Network) |
|---|---|---|
| You pay: | You pay: | |
| Preventive Medications | Some covered at no cost; for others, the 10% coinsurance will apply, but not the deductible. | Some covered at no cost; for others, your copay is based on the drug tier |
| Generic | 100% until deductible is met; 10% after deductible is met | $20 copay (90-day supply at Mail Order or Extended Supply Network Pharmacies**) |
| Preferred Brand | 100% until deductible is met; 10% after deductible is met | $40 copay (30-day supply) $80 copay (90-day supply at Mail Order or Extended Supply Network Pharmacies**) |
| Non-Preferred Brand | 100% until deductible is met; 10% after deductible is met | $55 copay (30-day supply) $110 copay (90-day supply at Mail Order or Extended Supply Network Pharmacies**) |
| Other Features | ||
| How prescription costs apply to your plan | Coinsurance counts towards deductible and out-of-pocket maximum. | Copay counts towards out-of-pocket maximum only. |
| Can you use HSA to pay for prescriptions? | Yes | No |
*Drugs that need a health care provider to administer them and often given to you in a hospital, doctor’s office or other health care setting may be covered under your medical benefit (i.e. contraceptive implants or chemo infusions). If you are taking/prescribed a drug that is not on the list, call the number on your ID card to speak with a BCBSIL health advocate to confirm coverage.
**Extended Supply Network Pharmacies fill 90-day supplies of maintenance medications.