Outpatient Prescription Drug
10/25/45 Plan 0F5
Your Copayment and/or Coinsurance is determined by the tier to which the Prescription Drug List (PDL) Management Committee
has assigned the Prescription Drug Product. All Prescription Drug Products on the Prescription Drug List are assigned to Tier 1,
Tier 2 or Tier 3. Find individualized information on your benefit coverage, determine tier status, check the status of claims and
search for network pharmacies by logging on to www.myuhc.com®
or calling the Customer Care number on your ID card.
Annual Drug Deductible - Network and Non-Network
Out-of-Pocket Drug Maximum - Network and Non-Network
* Only certain Prescription Drug Products are available through mail order; please visit www.myuhc.com or call Customer Care at
the telephone number on the back of your ID card for more information.
Note: If you purchase a Prescription Drug Product from a Non-Network Pharmacy, you are responsible for any difference between
what the Non-Network Pharmacy charges and the amount we would have paid for the same Prescription Drug Product dispensed
This summary of Benefits is intended only to highlight your Benefits for Outpatient Prescription Drug Products and should not be
relied upon to determine coverage. Your plan may not cover all of your Outpatient Prescription Drug expenses. Please refer to your
Outpatient Prescription Drug Rider and Certificate of Coverage for a complete listing of services, limitations, exclusions and a
description of all the terms and conditions of coverage. If this description conflicts in any way with the Outpatient Prescription Drug
Rider or the Certificate of Coverage, the Outpatient Prescription Drug Rider and Certificate of Coverage shall prevail.
Item# Rev. Date
Other Important Information about your Outpatient Prescription Drug Benefits
You are responsible for paying the lower of the applicable Copayment and/or Coinsurance or the retail Network Pharmacy's Usual
and Customary Charge, or the lower of the applicable Copayment and/or Coinsurance or the mail order Network Pharmacy's
For a single Copayment and/or Coinsurance, you may receive a Prescription Drug Product up to the stated supply limit. Some
products are subject to additional supply limits.
Specialty Prescription Drug Products supply limits are as written by the provider, up to a consecutive 31-day supply of the Specialty
Prescription Drug Product, unless adjusted based on the drug manufacturer's packaging size, or based on supply limits. Supply
limits apply to Specialty Prescription Drug Products whether obtained at a retail pharmacy or through a mail order pharmacy.
Some Prescription Drug Products or Pharmaceutical Products for which Benefits are described under the Prescription Drug Rider
or Certificate are subject to step therapy requirements. This means that in order to receive Benefits for such Prescription Drug
Products or Pharmaceutical Products you are required to use a different Prescription Drug Product(s) or Pharmaceutical Product(s)
Also note that some Prescription Drug Products require that you notify us in advance to determine whether the Prescription Drug
Product meets the definition of a Covered Health Service and is not Experimental, Investigational or Unproven.
If you require certain Prescription Drug Products, we may direct you to a Designated Pharmacy with whom we have an
arrangement to provide those Prescription Drug Products. If you are directed to a Designated Pharmacy and you choose not to
obtain your Prescription Drug Product from the Designated Pharmacy, you will be subject to the Non-Network Benefit for that
Exclusions from coverage listed in the Certificate apply also to this Rider. In addition, the exclusions listed below apply.
• Coverage for Prescription Drug Products for the amount dispensed (days' supply or quantity limit) which exceeds the supply
limit. However, Benefits for any Prescription Drug Product approved by the Federal Drug Administration (FDA) for use in the
treatment of cancer pain are covered even if the supply limit is exceeded if the prescription in excess of the supply limit has
been prescribed for a patient with intractable cancer pain.
• Prescription Drug Products dispensed outside the United States, except as required for Emergency treatment.
• Drugs which are prescribed, dispensed or intended for use during an Inpatient Stay. • Experimental, Investigational or Unproven Services and medications; medications used for experimental indications and/or
dosage regimens determined by us to be experimental, investigational or unproven. No prescribed drug shall be excluded as
Experimental or Investigational or Unproven on the basis that the drug has not been approved by the Food and Drug
Administration (FDA) for the treatment of the specific condition for which the drug has been prescribed provided that (1) the
drug has been approved by the FDA for at least one indication and (2) the drug has been recognized as safe and effective for
the treatment of the specific condition in one of the standard reference compendia or in substantially accepted peer-reviewed
medical literature; and Benefits for any Prescription Drug Product approved by the Food and Drug Administration (FDA) for use
in the treatment of cancer are covered even if the drug has not been approved by the FDA for the treatment of the specific type
of cancer for which the drug has been prescribed, provided the drug has been recognized as safe and effective for treatment of
that specific type of cancer in any standard reference compendia. "Peer-reviewed medical literature" means a scientific study
published only after having been critically reviewed for scientific accuracy, validity, and reliability by unbiased independent
experts in a journal that has been determined by the International Committee of Medical Journal Editors to have met the
Uniform Requirements for Manuscripts submitted to biomedical journals. Peer-reviewed medical literature does not include
publications or supplements to any publications that are sponsored to a significant extent by a pharmaceutical manufacturing
company or health carrier. "Standard reference compendia" means the American Medical Association Drug Evaluations, the
American Hospital Formulary Service Drug Information, or the United States Pharmacopoeia Dispensing Information.
• Prescription Drug Products furnished by the local, state or federal government. Any Prescription Drug Product to the extent
payment or benefits are provided or available from the local, state or federal government (for example, Medicare) whether or
not payment or benefits are received, except as otherwise provided by law.
• Prescription Drug Products for any condition, Injury, Sickness or mental illness arising out of, or in the course of, employment
for which benefits are available under any workers' compensation law or other similar laws, whether or not a claim for such
benefits is made or payment or benefits are received.
• Any product dispensed for the purpose of appetite suppression or weight loss.
• A Pharmaceutical Product for which Benefits are provided in your Certificate. This exclusion does not apply to Depo Provera
and other injectable drugs used for contraception.
• Durable Medical Equipment. Prescribed and non-prescribed outpatient supplies, other than the diabetic supplies and inhaler
spacers specifically stated as covered.
• General vitamins, except the following which require a Prescription Order or Refill: prenatal vitamins, vitamins with fluoride, and
• Unit dose packaging of Prescription Drug Products.
• Medications used for cosmetic purposes.
• Prescription Drug Products, including new dosage forms, that we determine do not meet the definition of a Covered Health
• Prescription Drug Products as a replacement for a previously dispensed Prescription Drug Product that was lost, stolen, broken
• Prescription Drug Products when prescribed to treat infertility.
• Prescription Drug Products for smoking cessation.
• Compounded drugs that do not contain at least one ingredient that has been approved by the U.S. Food and Drug
Administration (FDA) and requires a Prescription Order or Refill. Compounded drugs that are available as a similar
commercially available Prescription Drug Product. (Compounded drugs that contain at least one ingredient that requires a
Prescription Order or Refill are assigned to Tier 3.)
• Drugs available over-the-counter that do not require a Prescription Order or Refill by federal or state law before being
dispensed, unless we have designated the over-the-counter medication as eligible for coverage as if it were a Prescription Drug
Product and it is obtained with a Prescription Order or Refill from a Physician. Prescription Drug Products that are available in
over-the-counter form or comprised of components that are available in over-the-counter form or equivalent. Certain
Prescription Drug Products that we have determined are Therapeutically Equivalent to an over-the-counter drug. Such
determinations may be made up to six times during a calendar year, and we may decide at any time to reinstate Benefits for a
Prescription Drug Product that was previously excluded under this provision.
• Growth hormone for children with familial short stature (short stature based upon heredity and not caused by a diagnosed
PHARMACY EXCLUSIONS CONTINUED
• Any product for which the primary use is a source of nutrition, nutritional supplements, or dietary management of disease, even
when used for the treatment of Sickness or Injury.
• A Prescription Drug Product that contains (an) active ingredient(s) available in and Therapeutically Equivalent to another
covered Prescription Drug Product. Such determinations may be made up to six times during a calendar year, and we may
decide at any time to reinstate Benefits for a Prescription Drug Product that was previously excluded under this provision.
• A Prescription Drug Product that contains (an) active ingredient(s) which is (are) a modified version of and Therapeutically
Equivalent to another covered Prescription Drug Product. Such determinations may be made up to six times during a calendar
year, and we may decide at any time to reinstate Benefits for a Prescription Drug Product that was previously excluded under
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