How can I reduce my prescription drug costs?
To get the most from your Humana prescription drug benefit:
- Ask your doctor if a possible lower-cost drug alternative is appropriate for you
- Use the Pharmacy Locator to find in-network pharmacies, so you can take advantage of reduced prices for Humana members
- Use Humana's Drug List Search to find estimated retail costs for drugs and view possible alternatives
Can I use mail-order for my prescriptions?
Yes. For most plans, the preferred prescription home-delivery service by mail is RightSourceRxSM. RightSourceRx works best for maintenance medications - the ones you plan to take for a long time. For immediate needs - such as pain medications, antibiotics, and other short-term medications - it's best to use a local retail pharmacy in Humana's network. Find out more about RightSourceRx.
Are generic drugs as effective as brand-name drugs?
The main difference is the name. A generic drug is usually called by its chemical name, instead of a brand name. Generic drugs meet the same stringent performance and manufacturing standards as brand-name medications and usually cost less. The U.S. Food and Drug Administration (FDA) requires that each generic drug have the same active ingredients, strength, and dosage form as the brand-name version. Generic drugs must also pass the same FDA standards for quality and clinical effectiveness.
For more details, visit Brand vs. Generic.
What if my doctor prescribes a brand-name drug?
If your doctor writes on your prescription "dispense as written" (DAW), you can receive only that specific drug, even if a generic equivalent is available. As a result, you'll receive that specific drug, but only will be responsible to pay the appropriate brand-name copayment. In this case, you aren't responsible for the cost difference between the brand and generic medications.
If you use a brand-name prescription drug when a generic drug is available - and your doctor hasn't provided a medical reason for the brand-name drug - you'll be responsible for paying the difference between the brand-name cost and the generic cost plus any applicable generic copayment.