HEALTHCARE
Prescription drugs
If you’re enrolled in an M&T medical plan, you automatically have prescription drug coverage.
Get the medications you need
CVS Caremark administers prescription drug coverage. Whether you need a short-term prescription or ongoing medication, you have convenient options to fill prescriptions and manage costs.
For more information, visit CVS Caremark.
Use your HSA or MRA for prescription costs.
Funds in your Health Savings Account (HSA) or Medical Reimbursement Account (MRA) can help you pay for eligible prescription drug expenses, including costs incurred before you meet your deductible.
How prescription drug coverage works
You have two options for filling prescriptions:
- Short-term medications: Fill prescriptions at participating retail pharmacies for up to a 30-day supply
- CVS Maintenance Choice®: Fill up to a 90-day supply for maintenance medications (medications you take on an ongoing basis for chronic conditions) at a CVS Pharmacy location or through mail order. A 90-day supply costs about the same as a 60-day supply
The table below highlights prescription drug coverage through participating CVS retail and mail-order pharmacies.
| Basic HDHP | Core HDHP | Premier PPO | |
| Annual Deductible* | Combined with medical (applies to non-preventive drugs) | Combined with medical (applies to non-preventive drugs) | No deductible applies |
| Annual Out-of-Pocket Maximum* | Combined with medical | Combined with medical | Combined with medical |
| What You Pay (Deductible applies to non-preventive drugs with the Basic HDHP and Core HDHP) |
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| Generic | 30-day: $10 copay 90-day: $10 copay |
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| Brand Preferred | 30-day: 25% ($25 min/$65 max) 90-day: $70 copay |
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| Brand Non-preferred | 30-day: 35% ($40 min/$120 max) 90 day: $120 copay |
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*Prescription drug copays do not count toward the deductible but do count toward the medical out-of-pocket maximum.
Fertility prescriptions through Progyny.
Special rules apply to fertility prescriptions. For details, contact Progyny at 1-833-272-1069.
A new discount on prescription drugs.
CVS Caremark® offers a discount program for certain non-covered drugs to help you save on out-of-pocket expenses. Take advantage of the discount on Wegovy® when prescribed for non-diabetes conditions.
Note: Non-covered drugs do not apply to the deductible or out-of-pocket maximum.