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employee benefit programs
 employer health benefits
health benefits peo

Prescription Drug Coverage For PML Employees

Your prescription drug benefit depends on the medical plan you select and are summarized below. Each plan has limitations and exclusions. It is suggested that you consult your benefit booklets or contact your carrier for specifics about your plan.

Employee Health Insurance Management, Inc. (EHIM) Covered Plans:
BCBSM PPO Plans 1 and 4

Generic Drugs Covered - $5 Co-pay
Brand Name Drugs when no generic equivalent is available Covered - $15 Co-pay
Brand Name Drugs when generic equivalent is available Covered - Difference between brand name drug and generic drug plus $15 Co-pay
Brand Name Drugs if generic is available, if *DAW is written Covered - $15 Co-pay
Designer Drugs for specific medications Covered - 50%

*DAW - "Dispense as Written"; A notation by the physician that the specific drug on the prescription is to be dispensed without substitution of any other drug.

A Word About Generic Drugs:

Generic drugs have the same active ingredients, strength and dosage as their brand-name counterparts. The primary difference is that they cost a whole lot less! Pharmacies will automatically dispense generic equivalent drugs unless your physician writes "Dispense As Written" (DAW) on the prescription. You will pay $10 for a one month (34- day) supply. Generic drugs cost less because they don’t require the same costly research, development and sales expenses associated with brand name drugs.

What is the difference between generic and brand-name drugs?:

The brand-name drug is the name under which the product is originally sold. A brand-name is protected by a patent for up to 17 years. When the patent expires, other manufacturers can produce the generic equivalent of the brand and sell it under its generic, or chemical name.

Generic drugs are made with the same active ingredients and are available in the same strength and dosage form as equivalent brand-name products. The difference is in the name, and in the price.

Ask your physician or pharmacist if any of the prescription medications you are currently taking can be filled with a generic alternative. By using generic drugs, you can reduce your prescription drug costs while maintaining the same strength, dosage and quality as the brand name drug.

Exclusions: Your Prescription Drug Vendor WILL NOT Cover

Drugs that cost the same or less than your co-payment, drugs for cosmetic purposes, lifestyle drugs, infertility medications, more than a 34 day supply, except for specified maintenance drugs, refills not authorized by a physician or dispensed after one year from the date of the order, and therapeutic devices/appliances such as bedpans or elastic bandages.



PEO Company


 health, benefits, employee, leasing, peo, Professional Employer Organization
 health, benefits, employee, leasing, peo, Professional Employer Organization
Select A Benefit Below For More Information

Medical Plan Overview   

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Medical Expense / Hospital Indemnity Plan   

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Benefit Summaries   

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health, benefits, employee, leasing, peo, Professional Employer Organization
health, benefits, employee, leasing, peo, Professional Employer Organization

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