Pharmacy and prescription medications

UnitedHealthcare understands that medications can play a vital role in maintaining your health and is committed to helping you get the most from your pharmacy benefits. This page provides information about: 

  • Filling prescription medications
  • Prescription drug tiering
  • Commonly offered Prescription Drug Lists (PDLs)

Important: Please review your benefits documents to find out if your employer offers these benefits.

Pharmacy benefits

Together with OptumRx®, we provide safe, easy and cost effective ways for you to get the medications you need.

Filling - and refilling - your prescription drugs

With some of our pharmacy plans, you have the choice to fill your prescriptions at a participating network pharmacy or with home delivery by mail.

To find a network pharmacy, use the link below to search by pharmacy name, zip code, city and state, or address. A list of pharmacies will show at the end of the page. The network participation status of each pharmacy is listed in the "Network participation" section after each pharmacy.   

Covered medications

When it comes to coverage, it's important to keep in mind that some medications may have requirements before filling them. Also, if a medication doesn't fit your budget, it's a good idea to consult with your doctor —talk to them about lower cost options.

UnitedHealthcare Prescription Drug Lists

The Prescription Drug List (PDL) takes the most commonly prescribed medications and organizes them into cost levels, called tiers. These costs are decided by your employer or health plan.

Tier 1 is the lowest-cost tier option. When selecting a medication, you and your doctor should use the PDL to see if a Tier 1 (lowest cost) option is right for you.

Find your medications

Please see your plan documents to find out the Prescription Drug List (PDL) associated with your pharmacy benefits. Here is a sampling of our most common PDLs.

Helpful hints

  • Some medications may have coverage rules — 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 about lower-cost options.

Prescription drug tier highlights

Tiers are the different cost levels you pay for a medication. Each tier is assigned a cost, which is determined by your employer or health plan. This is how much you will pay when you fill a prescription. 

Tier 1

Lowest cost

Medications that provide the highest overall value. Mostly generic and some name-brand medications.

Hint: Use Tier 1 drugs for the lowest out-of-pocket costs.

Tier 2

Mid-range cost

Medications that provide good overall value. A mix of brand-name and generic medications.

Hint: Use Tier 2 drugs instead of Tier 3 to help reduce out-of-pocket costs.

Tier 3*

Higher cost

Medications that provide the lowest overall value. Mostly brand drugs, as well as some generics.

Hint: Many Tier 3 drugs have lower-cost options in Tier 1 or 2. Ask your doctor if they could work for you.

* Prescription drug lists can also be 4-tier.