Prescription Drug Coverage

No-cost flu shots at any network pharmacy. Caremark.com/findapharmacy

IU-sponsored medical plans include prescription drug coverage through CVS Caremark for retail and mail order prescriptions, and through Archimedes for specialty 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

2025 Cost Shares

Review the copay/coinsurance amounts for each plan below. Create an account at Caremark.com to view personalized drug prices based on your plan’s copay/coinsurance structure and your remaining deductible.

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.

Anthem PPO HDHP
CVS Caremark (retail and mail order prescriptions)

Prices for medications may vary based on which pharmacy you use, the quantity of your medication (30-day or 90-day), and the use of brands versus generics. You’re encouraged to log in to your Caremark account to check the price of your medications before having them filled. All prescription cost shares apply toward your medical plan’s out-of-pocket maximum.

Retail (up to 90-day supply)

  • In-Network: member pays 20% after deductible.
  • Out-of-Network: You can submit a claim form and receipt to CVS Caremark for potential reimbursement. The amount reimbursed will be equal to the CVS Caremark price or the purchase price (less any member cost-share), whichever is lowest. Approved claims will count towards your annual in-network deductible and out-of-pocket maximum.

Mail Order (up to 90-day supply)

  • In-Network: member pays 20% after deductible.
  • Out-of-Network: Not covered.

Medications on the No-Cost Preventive Drug List are covered by the plan 100%.

Medications on the HDHP Preventive Drug List are covered with a 20% coinsurance and no deductible.

Check drug costs for this plan

Archimedes (specialty medications)

If you use a manufacturer copay assistance program to reduce your out-of-pocket cost for a specialty drug, only the actual amount you pay will count towards your health plan’s deductible and out-of-pocket maximum.

Specialty Medications (up to 30-day supply)

  • In-Network: member pays 20% after deductible.
  • Out-of-Network: Not covered.
Anthem PPO $500 Plan
CVS Caremark (retail and mail order prescriptions)

If you request a brand drug when a generic is available, you will be responsible for paying the generic drug copay plus the cost difference between the brand and the generic. In-network prescriptions have a separate out-of-pocket maximum from the medical plan. For 2025, it is $6,800 per member / $11,200 family maximum.

In-Network:

Retail (up to 30-day supply)

  • $8 generic (Tier 1)
  • $25 preferred brands (Tier 2)
  • $45 non-preferred brands (Tier 3)
  • Non-Covered Drugs (with network discount) – Member pays 100%

Retail or Mail Order (31 to 90-day supply)

  • $20 generic (Tier 1)
  • $62 preferred brands (Tier 2)
  • $112 non-preferred brands (Tier 3)
  • Non-Covered Drugs (with network discount) – Member pays 100%

Out-of-Network:

Retail: 50% coinsurance (plus amounts above the network’s discounted price )

Mail Order: Not Covered

Medications on the No-Cost Preventive Drug List are covered by the plan 100%.

Check drug costs for this plan

Archimedes (specialty medications)

Specialty Medications (up to 30-day supply)

If you use a manufacturer copay assistance program to reduce your out-of-pocket cost for a specialty drug, only the actual amount you pay will count towards your health plan’s deductible and out-of-pocket maximum.

  • $20 generic (Tier 1)
  • $62 preferred brands (Tier 2)
  • $112 non-preferred brands (Tier 3)
IU Resident Plan
CVS Caremark (retail and mail order prescriptions)

If you request a brand drug when a generic is available, you will be responsible for paying the generic drug copay plus the cost difference between the brand and the generic. In-network prescriptions have a separate out-of-pocket maximum from the medical plan. For 2025, it is $7,400 per member / $13,000 family maximum.

In-Network:

Retail (up to 30-day supply)

  • $10 generic
  • $25 preferred brands
  • $75 non-preferred brands

Retail or Mail Order (31 to  90-day supply)

  • $25 generic
  • $60 preferred brands
  • $180 non-preferred brands

Out-of-Network:

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

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

Check drug costs for this plan

Archimedes (specialty medications)

Specialty Medications (up to 30-day supply)

  • $150 copay

If you use a manufacturer copay assistance program to reduce your out-of-pocket cost for a specialty drug, only the actual amount you pay will count towards your health plan’s deductible and out-of-pocket maximum.

Retail and Mail Order

Up to a 90-day supply of your medications can be filled at any network retail pharmacy, or through mail order for a 90-day supply. To set up mail order, create an account at Caremark.com or use the Caremark app to set up your shipping preferences and billing information. Refills can be requested through your online account, by calling CVS Caremark, or by using the Caremark app to scan the bar codes or QR codes on your prescriptions.

You’re encouraged to set up an account on Caremark.com or the Caremark app to manage your retail and mail order prescriptions. You can use your account to:

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

Specialty Medications

Specialty medications are drugs that are used to treat complex conditions, such as cancer, growth hormone deficiency, hemophilia, hepatitis C, immune deficiency, multiple sclerosis, and rheumatoid arthritis. These medications are often very high cost, require proper use and administration to be effective, and often require prior authorization to be dispensed.

Specialty medications are managed through Archimedes, a specialty drug management company that offers a high-touch pharmacy program designed for the unique needs of members taking these medications. The program includes:

  • Medication Delivery: Home delivery service through Acaria Health.
  • Clinical Support: Access to pharmacists with training and expertise in specialty drugs and the conditions that they treat.
  • Member Services: Telephone access to representatives and clinicians who are available to assist members 24 hours a day, 7 days a week.
  • Savings Opportunities: Copay assistance programs to help members with their out-of-pocket costs.

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.

For questions about your specialty medications, including prior authorization questions, contact Archimedes at 888-330-8248 or . Paper prior authorization forms are also available at archimedesrx.com/resources.

Frequently Asked Questions about Archimedes

No-Cost Preventive Prescriptions

IU-sponsored medical plans cover 100% of the cost of medications defined by the Affordable Care Act (ACA) as preventive. Download the No-Cost Preventive Drug List for a list of these medications and any eligibility criteria for coverage.

Frequently Asked Questions

Below are answers to the most frequently asked questions regarding the Prescription program.  

Where can I find a network pharmacy?

The CVS Caremark pharmacy network includes most retail chain pharmacies, such as CVS, Walmart, and Target, most supermarket pharmacy chains, and some independent pharmacies. However, Walgreens pharmacy is NOT in-network. Visit the CVS Caremark Pharmacy Locator to find a network pharmacy near you.

Where can I find the cost of my prescriptions?

Prices for medications may vary based on which pharmacy you use, the quantity of your medication (30-day or 90-day), and the use of brands versus generics. You’re encouraged to log in to your Caremark account to check the price of your medications based on your plan’s copay/coinsurance structure and your remaining deductible before having them filled.

If you are not yet enrolled in a plan you can check drug costs for each plan at the links below:

What are preventive prescriptions?

IU-sponsored medical plans cover 100% of the cost of medications defined by the Affordable Care Act (ACA) as preventive. Examples include contraceptives, statins, folic acid, tobacco cessation aids, and HIV PrEP. Download the No-Cost Preventive Drug List for a list of these medications and any eligibility criteria for coverage.

Additionally, if you're enrolled in the Anthem PPO HDHP, there are additional medications classified as “preventive” by the IRS that do not apply your deductible, meaning you only pay the 20% coinsurance. Download the HDHP Preventive Drug List for a list of these medications.

What options are available for lowering and/or containing my medication costs?

There are several options available:

  • Talk with your pharmacist or physician about generic drug alternatives to determine if a less expensive alternative is available. 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.
  • Switch from a 30-day to 90-day supply. This option is especially beneficial for those with chronic conditions who might be taking multiple medications. CVS Caremark has both a mail order option and an option to get a 90-day supply at in-network retail pharmacies.
  • Shop around at different pharmacies. Check specific drug costs at different pharmacies on Caremark.com

Customer Service Contacts

Retail/Mail Order Prescriptions – CVS Caremark
Member Services: 866-234-6952
Mail Order Services: 866-234-6952
caremark.com

Specialty Prescriptions – Archimedes
Member Services: 888-330-8248
Email:
archimedesrx.com

IU Human Resources
Customer Care: 812-856-1234
Email:

Resources & Forms