Prescription Drugs

Managing your prescriptions at IU

When you’re enrolled in an IU-sponsored medical plan, you have retail and mail order prescription drug coverage through CVS Caremark and specialty drug coverage through Archimedes. You can use Caremark.com or the Caremark app to create a CVS Caremark account, which will allow you to:

  • Locate a participating pharmacy
  • Check drug prices and generic alternatives
  • View the drug formulary and preventive drug list
  • Request mail order refills
  • View prescription history
  • Check drug interactions
  • Contact a pharmacist

Where to fill your prescriptions

The CVS Caremark pharmacy network includes most retail chain pharmacies, such as CVS, Walmart, Target, and most supermarket pharmacy chains. Some independent pharmacies are included as well. However, Walgreens pharmacy is not in-network.

Plan basics

Check copay/coinsurance amounts for each plan below:

This plan requires you to pay the full cost of your prescriptions until you meet your deductible.

2025 prescription cost shares
Prescription typeIn-networkOut-of-network
Retail (up to 90-day supply)

20% after deductible

Members can submit a claim form for potential reimbursement, up to the lower of the CVS price or purchase price. Approved claims apply to the in-network deductible and out-of-pocket maximum.

Mail order (up to 90-day supply)

20% after deductible

Not covered

Specialty (up to 30-day supply)

20% after deductible

Not covered

Preventive medications

Preventive medications listed on the no-cost share medication list are covered at 100% by the plan. These include items such as generic contraceptives, bowel preps, statins, and tobacco cessation products.

Medications on the HDHP preventive Rx list are covered with a 20% coinsurance and no deductible. 

Check drug costs for this plan

This plan has flat dollar copays and an out-of-pocket maximum for in-network prescriptions separate from the medical plan. For 2025, it is $7,050 per member/$11,700 family maximum. If you request a brand drug with a generic version, you must pay the generic copay plus the cost difference between the brand and generic.

In-network:

2025 retail and mail order copays
ServiceRetail (up to 30-day supply)Retail (31–90-day supply)Mail order (up to 90-day supply)
Tier 1 (Generic)$8$20$20
Tier 2 (Preferred Brand)$25$62$62
Tier 3 (Non-Preferred Brand)$45$112$112

Out-of-network:

  • Retail: 50% coinsurance (plus amounts above the network’s discounted price )
  • Mail order: Not covered.

2025 specialty drug copays 

Up to 30-day supply through Archimedes. When using copay assistance, only the actual amount you pay counts towards your prescription out-of-pocket maximum.

  • In-network:
    • Tier 1 (generic): $20
    • Tier 2 (Preferred Brand): $62
    • Tier 3 (Non-Preferred Brand): $112
  • Out-of-network: Not covered.

Preventive medications on the No Cost Share Medication List are covered by the plan 100%.

Check drug costs for this plan

This plan has flat dollar copays and an out-of-pocket maximum for in-network prescriptions separate from the medical plan. For 2025 it is $7,400 per member/$13,000 family maximum.

2025 retail and mail order copays
ServiceRetail (up to 30-day supply)Retail or mail order (31–90-day supply)
Tier 1 (Generic)$10$25
Tier 2 (Preferred Brand)$25$60
Tier 3 (Non-Preferred Brand)$75$180

Out-of-network:

  • Retail: 50% coinsurance (plus amounts above the network’s discounted price
  • Mail Order: Not Covered

2025 specialty drug copay 

Up to 30-day supply through Archimedes. If you use copay assistance, only the actual amount you pay counts towards your prescription out-of-pocket maximum.

  • $150 copay

Preventive medications on the No Cost Share Medication List are covered by the plan 100%.

Check drug costs for this plan

Save money with the Caremark Cost Saver Program

IU medical plans feature the Caremark Cost Saver Program, providing members with automatic access to GoodRx pricing on select generic medications. No signup needed—just show your Anthem ID card at any network pharmacy. The program will compare the standard price with the GoodRx price and charge the lower amount, which also counts towards your deductible and out-of-pocket maximum.

Learn more about paying for your healthcare

Filling your prescriptions

Retail pharmacies

You can fill your prescriptions at any in-network retail pharmacy for a 30-day supply. Be sure to provide your retail pharmacy with your prescription ID card information so they can process your claim through CVS Caremark.


Save time and money with a 90-day supply

You’ll save money when you get a 90-day supply of your medications. You’ll make fewer trips to the pharmacy, and you’ll only need to make one payment every three months. You can get a 90-day supply at in-network retail pharmacies or through mail order.


Mail order

Mail order is a great option for those who’d like to get a 90-day supply of medications shipped to their home.

Here’s how it works:

  1. Create an account at Caremark.com or use the Caremark app.
  2. Set up your shipping preferences and billing information.
  3. Scan the bar codes or QR codes on your mail service prescriptions to request your refills.

Specialty medications

Specialty medications are drugs used to treat complex conditions, such as cancer, growth hormone deficiency, hemophilia, hepatitis C, immune deficiency, multiple sclerosis, and rheumatoid arthritis.

Specialty medications for the IU medical plans are managed through Archimedes. Their program includes medication delivery, clinical support, 24/7-member assistance, and savings opportunities through copay assistance programs.

Many specialty medications have copay assistance programs where a drug manufacturer pays for all or part of the drug’s cost to make it more affordable. If a copay assistance program is available to you, but you’re not currently enrolled, Archimedes will assist you with enrollment. It’s important to note that If you use a manufacturer copay assistance program to reduce your out-of-pocket cost, only the actual amount you pay will count towards your deductible and/or out-of-pocket maximum.

Lowering your medication costs

Here’s how you can save money on your prescriptions:

  • Generic drugs: Talk with your pharmacist or physician about generic and formulary brand name drug alternatives. Generic drugs are required by law to have the same active ingredients, dosage, form, and strength as their brand-name equivalents, but they generally cost less.
  • Therapeutic equivalents: Talk to your pharmacist/provider about less expensive therapeutic equivalent medications.
  • Switch to 90-day supply: This option is especially beneficial for those with chronic conditions who might be taking multiple medications.

Forms and resources

Contact CVS Caremark
Member services: 866-234-6952
Caremark.com

Contact Archimedes Specialty
Member Services: +1-888-330-8248
Email: iuconcierge@archimedesrx.com
Archimedesrx.com

ask HR logo

Can’t find the information you’re looking for?

Find answers to our top questions and learn how to get in touch if you can’t find what you need on our website.

Ask HR