What is the coverage for prescription medications?

CareFirst offers coverage for prescription medications through their various health insurance plans. The coverage for prescription medications may vary depending on the specific plan and the type of medication. CareFirst has a formulary, which is a list of covered drugs, categorized into different tiers. This formulary helps determine the out-of-pocket costs for each prescribed medication. Preferred generic drugs are usually offered at the lowest copayment, while brand-name and specialty drugs may have higher cost-sharing. Some medications may require prior authorization or step therapy to ensure appropriateness and cost-effectiveness. CareFirst also provides a mail-order pharmacy service for long-term medications, offering convenience and potential cost savings. To understand the coverage for prescription medications in detail, it is advised to review the specific plan's drug formulary or contact CareFirst's customer service for further assistance.