Prescription drug coverage is included in the Student Health Insurance Plan, and there is no dollar limit on this benefit. Prescriptions fall into three tiers that determine your copayment. Prescription co-payments have an out-of-pocket maximum: $1,300 individual, $2,600 family per plan year. Once you meet your out-of-pocket maximum for prescription drugs, you will not be charged a copayment for your prescriptions for the remainder of the plan year.
- Tier 1: $17
- Tier 2: $40
- Tier 3: $55
- Other: $0 copayment for prescription contraceptive products that are generic or brand name without a generic equivalent — 50% coinsurance for Malarone and Mefloquine
Over-the-counter drugs are not covered by the health plan.
You can fill your prescriptions at the Harvard University Health Services (HUHS) Pharmacy or any participating retail pharmacy. Your prescription must be written by an HUHS clinician if you want to fill it at the HUHS Pharmacy.
Benefits of using the HUHS Pharmacy:
- Convenient location in the Smith Campus Center
- Ability to fill up to a 3 month supply at a time*
- All purchases can be applied to your student bill
- Order refills easily
- 24/7 refill pickup using the ScriptCenter kiosk in the lobby of HUHS
- Free delivery to satellite clinics
*All other pharmacies can only fill for 30 days
Traveling Outside of Massachusetts
You can fill or refill your prescriptions at any participating pharmacy in the United States. Your copayment(s) or drug benefits do not change.
Traveling Outside the U.S.
If you take a prescription drug, contact your physician and request a script for the number of months you need for traveling abroad. Complete the Prescription Travel Override Worksheet and return it to Member Services with a copy of your travel itinerary (e-tickets or ticket confirmation page) at least 72 hours before you need to pick up your prescription. Your travel itinerary must include departure and return dates.
Prescriptions that are purchased out of the country are reimbursed at 100% of the cost paid, minus the tier 2 copayment. Submit a prescription drug claim form to receive reimbursement.
Limitations and restrictions may apply to certain medications. Before you request an override, confirm with your pharmacist that the medication you need does not have any restrictions.
Frequently Asked Questions
Q: Is my prescription benefit changing?
A: No. There may be changes to the way some prescriptions are processed, but your prescription benefit is not changing at this time. You will continue to have access to the same medications, pharmacies, and clinical experts as before.
Q: Are there any changes to the pharmacy network?
A: No, you are able to access the same pharmacy network.
Q: Will my copayment change?
A: No. Your copayment(s) does not change.
Q: Will I be getting a new prescription ID card?
A: You will use your Blue Cross Blue Shield Card for both medical and prescription drug purchases. All members enrolled in the Student Health Insurance Plan effective fall AY18 will receive a card.