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Medications can play an important role in maintaining your health.  Check out what's covered, ways to lower costs, how to fill prescriptions and more.

See if your medications are covered

Using the Prescription Drug List (PDL) is the easiest way to find out which prescription drugs are covered in a plan. PDL changes happen frequently, so be sure to check it often to ensure you have the most updated information.

The PDL takes medications and places them into tiers, arranging them from lowest to highest cost.

Important: Please refer to your plan documents to find out the PDL available with your pharmacy benefit.

Vital Medication Program

UnitedHealthcare’s Vital Medication Program offers certain drugs such as preferred insulin at no additional cost. This means there may be no out-of-pocket cost or a copay or deductible.  

$
Tier 1

Lowest Cost

Mostly generic and some name-brand medications

$$
Tier 2

Mid-range Cost

A mix of brand-name and generic medications

$$$
Tier 3

Higher Cost

A mix of brand-name and generic medications

$$$$
Tier 4

Highest Cost

Mostly brand-name drugs, as well as some generic medications

Use the links below to search the Prescription Drug List (PDL) associated with your pharmacy benefits

Advantage 3-Tier

Advantage 4-Tier

Essential All States

Here are some PDL tips

  • Some medications might have coverage rules, which means there may be requirements — like getting an approval from your doctor — before filling them.
  • Prescription Drug Lists change frequently, so check yours often.
  • If a medication doesn't fit your budget, ask your doctor if you can use lower cost medication options.

Important

Certain medications may be excluded from coverage or subject to prior authorization. You may need to switch to another option. You will need to take the following actions before your medication will be covered:

  • Notification or Prior Authorization: Your doctor will need to provide more information for us to decide coverage.
  • Step Therapy (ST): A lower-cost medication will need to be tried before a higher-cost medication is covered.

Find a pharmacy

You may save time and money on a wide variety of medications with your pharmacy benefits. You also have choices in the way you order your prescription medications. 

Order in

With home delivery, you can order up to a 3-month supply of medications you take regularly. Signing up is easy, and there's free standard shipping to U.S. addresses.

Head out

Pick up your medications at any of our UnitedHealthcare network pharmacies and it may help you save on costs.

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