❕When you need to fill a prescription, it's essential to use an in-network pharmacy. This ensures you get the best coverage and avoid additional out-of-pocket costs.
In-network pharmacies are partnered with your insurance, meaning they accept your plan's terms and provide medications at the discounted rates offered by your plan.
💡 What is an In-Network Pharmacy?
An in-network pharmacy is a pharmacy that has an agreement with your insurance to provide medications at a lower, negotiated price. Insurance plans often have networks of pharmacies, and staying within that network helps minimize costs. If you go to an out-of-network pharmacy, you may pay more or your medication may not be covered at all.
Your plan typically should have a preferred mail-order pharmacy, and using a non-preferred one may result in unexpected costs. It's important to verify which mail-order pharmacy is preferred under your plan to ensure you receive the best coverage and pricing.
❕Important: Please note that many plans have prescription benefits managed by a separate PBM (Pharmacy Benefit Manager), and this is not always the same carrier as your health insurance. If your insurance plan uses a PBM for prescription benefits, be sure to check the PBM’s pharmacy network when looking for in-network pharmacies for your prescriptions.
🗺️ How to Locate an In-Network Pharmacy
- Contact Customer Support: Call the customer service number on the back of your insurance card. A representative can confirm which pharmacies are in-network and help answer specific questions.
- Check Your PBM's Website: Most companies offer an online tool or directory to search for in-network pharmacies. Log in to your account and look for a "Pharmacy Locator" or similar option. Some PBMs have mobile apps where you can find tools to locate in-network pharmacies near you.
❕If one of the PBMs below manages your prescription benefits, you can access your member portal or a respective mobile app to view your plan specifics and the available pharmacy network using one of the links below.
Just so you know, some links lead to an external pharmacy locator. We recommend logging into your personal account to ensure you access accurate, plan-specific information.
🟣 OptumRx
🟣 TrueScripts
🟣 Liviniti
🟣 SmithRx
🟣 Express Scripts
🟣 Navitus
🟣 CarelonRx
🟣 MedImpact
🟣 Prime Therapeutics
🟣 EHIM
🟣 ServeYouRx
🟣 ProAct
❕Still have questions? Ask HealthJoy Concierge for assistance!
Navigate to "Chat" in the HealthJoy App where you can interact with JOY, our virtual assistant, or with a live concierge. Alternatively, you can reach out to us at (877) 500-3212.
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