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FAQs: Enroll with Humana
My Drug List Tool
Drug Details Page
Rx Plan Costs Page
Coverage Details Page
About the Rx Calculator
Q. What is the Rx Calculator?
The Rx Calculator can help estimate your yearly prescription drug costs with the various drug plan options available to you.
Q. How do I access the Rx Calculator?
First, enter your ZIP code at the bottom of the page to access our Plan Comparison area. From there, you can access the Rx Calculator from the My Rx Coverage screen by clicking on the Rx Calculator link.
Q. How can I see what my estimated drug costs for each plan will be?
First, click on the Rx Calculator link on the "My Annual Costs" page, follow the steps and enter the medications you take. When you're done, click "View Annual Costs" to see your estimated annual costs with each of the plans available. For a month-by-month breakdown of costs for all drugs, click the Monthly Summary link. For a month-by-month breakdown of costs for a particular drug, click the Rx Detail link.
Q. What do the columns in the My Rx Coverage chart mean?
- Plan Name: These are the Medicare plans currently offered by Humana in your county.
- Rx Coverage Levels (Retail pharmacy amounts up to 30-day supply): This column shows what you’d pay for each category of prescription in each stage
- Rx Type refers to a drug’s classification and the corresponding assignment on Humana’s Drug List.
- Preferred Generic: Drugs that are chemically the same as brand-name drugs according to their active ingredients, dosage, safety, strength, how they are taken, and what they are used to treat. Since generics work the same way in your body, they have the same risks and benefits as the brand-name medications. A generic drug is called by its “chemical” name instead of a "brand" name and is typically sold at a lower price. Talk to your doctor about your medication options. In most cases, your doctor can prescribe a generic drug instead of the brand-name drug, saving you money when you fill the prescription.
- Preferred Brand: Medications that are manufactured by one manufacturer but typically cost less than other brand-name drugs.
- Non-Preferred Brand: Higher-cost brands that include drugs with preferred generic or therapeutic alternatives. Also includes some self-administered injectable medications.
- Specialty: Highest cost drugs, including high-technology and self-administered injectable medications.
Q. How can I determine which prescription benefit is best for me?
If you’re considering more than one plan, and the prescription benefit varies by plan, you can use the Rx Calculator to help you determine which prescription benefit is best for your needs. You can create drug lists and estimate your out-of-pocket costs with the different prescription benefits available. You can also find out about possible lower-cost alternatives, such as generic medications.
Q. What if I am not currently taking a medication, but I know I’ll take it during my period of coverage?
When you use the Rx Calculator, it’s a good idea to provide as much information as possible about medications you’re taking now or will need to take during the year. Knowing your potential costs can help you make a more informed decision about the right plan for you.
Q. How do I know the strength, form, and dosage of my medication(s)?
Typically the strength, form, and dosage of prescription medications are indicated on the prescription bottle or packaging. If you are unsure of the strength, form, or dosage, contact the pharmacist where you had the prescription filled.
If you know you will be taking a medication but don’t have the prescription yet, you may wish to use the most commonly prescribed strength, form, and dosage information provided in the Rx Calculator. Remember, since you are providing future information, the tool will give you an estimated cost for that medication based on the most commonly prescribed strength, dose, and form. Your doctor may wish to prescribe a different strength, dose, and form.
Q. How do I know if I should price a generic equivalent or therapeutic alternative?
If you are currently taking a brand-name drug that has a lower-cost generic equivalent or therapeutic alternative, you may wish to price the less expensive drug to determine potential savings. Of course, you should always talk with your doctor before you change medications.
Q. Can I save my drug list?
If you go from the Rx Calculator to another section of our Website, such as the Plan Comparison chart, your Rx Cost information doesn’t go away. However, if you leave Humana's Website, your Drug List will not be saved.
My Drug List Tool
Q. What do the columns on the My Drug List chart mean?
- Drug Name: This column contains the following information:
- Quantity: The number of units – pills, tablets, vials, or injections – filled per prescription. The quantity displayed may not be the actual quantity you were prescribed. Check your prescription or refill for the actual number to calculate your drug costs.
- Pharmacy: The name of the pharmacy that was used to price this medication for the RxCalculator.
- Days Supply: The amount of medication prescribed per prescription.
- # of Fills: The number of times you can fill and then refill the prescription.
- Generic Equivalent: If a drug on your list has a generic equivalent – a drug that is chemically the same as a brand-name drug in active ingredients, dosage, safety, strength, how it is taken, and intended use – this column shows the name of the generic drug. You can click the Generic Equivalent link in the far right column to replace the drug on your list with the generic.
- Coverage Details: This column indicates whether the drug is covered and which category it’s in – Preferred Generic, Preferred Brand, Non-Preferred Brand, Specialty.
The far right column includes links to help edit your drug list:
- Drug Details - Find out about specific drug information including category, quantity limits, prior authorization and step therapy.
Drug Details Page
Q. What do the columns on Drug Information chart mean?
- Drug Name: This is the drug name and dosage you entered.
- Covered/Not Covered/Prior Authorization/Step Therapy: “Covered” means the medication is on the Humana Part D Drug List. “Not Covered” means the medication is not on the Drug List, so you would be responsible for the entire cost of the drug. "Prior Authorization" means your doctor must obtain approval from Humana before a prescription requiring prior authorization will be covered. "Step Therapy" means Humana requires you to try certain drugs to treat your medical condition before we cover this drug. For example, if Drug A and Drug B both treat your medical condition, Humana may not cover drug B unless you try Drug A first. If Drug A does not work for you, Humana will cover Drug B.
- Preferred Generic/Preferred Brand/Non-Preferred/Specialty – This indicates which group the medication is in on Humana’s Drug List, which has an impact on what you pay at the pharmacy.
- Quantity Limit: There is a limit on coverage based on the length of time or amount that can be dispensed for this medication to ensure the appropriate dose and usage based on the FDA label recommendations.
Rx Plan Costs Page
Q. What do the columns on the Rx Plan Costs chart mean?
- Plan Name: These are the Medicare plans Humana currently offers in your county.
- Total Rx You Pay: Your total annual out-of-pocket cost for the drugs you selected. This amount varies by plan.
Coverage Details Page
Q. What do the columns on the Coverage Details chart mean?
- Drug Name: This is the drug name and dosage you entered.
- Covered/Not Covered: “Covered” means the medication is on the Humana Part D Drug List. “Not Covered” means the medication is not on the Drug List, so you would be responsible for the entire cost of the drug.
- Preferred Generic/Preferred Brand/Non-Preferred Brand/Specialty – This indicates which group the medication is in on Humana’s Drug List, which has an impact on what you pay at the pharmacy.
- Maximum Dispensing Limit: There is a limit on coverage based on the length of time or amount that can be dispensed for this medication to ensure the appropriate dose and usage based on the FDA label recommendations.
- Prior Authorization: Your doctor must obtain approval from Humana before a prescription requiring prior authorization will be covered.
- Step Therapy: Humana requires you to try certain drugs to treat your medical condition before we cover this drug. For example, if Drug A and Drug B both treat your medical condition, Humana may not cover drug B unless you try Drug A first. If Drug A does not work for you, Humana will cover Drug B.
Q. The drug I entered is showing up as Not Covered. Is there another choice for me that would be covered?
To find drugs that treat the same condition, click the “Alternatives” link in the far right-hand column. To add the alternative drug to your Drug List in place of the drug you chose previously, click the “Select” link.
If you have more questions about enrolling, you may want to see:
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