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Drug list (formulary)

A drug list – also called a formulary – lists your health plan’s preferred medicines. You’ll usually pay less when you choose a drug that’s on the list. Our search tools make it easy to see if your prescriptions are on the list. You can also find alternatives that may save you money.

How to search the drug list

Your drug list depends on which insurance plan you have. So, to get the most complete and accurate information we recommend logging in to your account.

Search the drug list without logging in

If you're shopping for insurance, or don't have an account, you can still search your drug list. You'll need to know which list your health plan uses. You can find this information in your plan booklet or by calling Member Services.

Here are the most common formularies:

Supplemental drug lists

Your plan may cover one or more types of drugs that are not listed on the formulary. If your plan includes this coverage, you can find details below. Call Member Services to learn what your plan covers.

Preventive drug benefit

Some HSA plans let you buy prescription drugs at a copay, even if you haven't reached your deductible. If your plan has this benefit, you can see which drugs qualify.

See HSA preventive drug list

Frequently asked questions

We want our members to have access to the safest, most effective drugs at a price they can manage. To be included in the drug list, medicines generally must:

  • Be FDA-approved
  • Have proven safe and effective in published studies
  • Have better outcomes than existing drugs, or
  • Cost less and have the same outcomes as existing drugs

Decisions about what’s on the drug list are made by a committee of doctors and pharmacists.

If your medicine is not on the list, or if it displays with “NF,” your medicine is non-formulary. This either means that the medicine is not covered by your insurance, or it’s covered but may cost more to fill. Call Member Services to learn which situation applies to you.

In the formulary search results screen, there is a link called “Find Alternative Drugs.” Review this list with your doctor and see if there is one that works for you.

The vast majority of prescriptions written for our members are on the drug list. But we know there are rare cases when there isn't a drug on the formulary that works for you. In these cases, your doctor can request an exception.

Our team of pharmacists review each request based on criteria including:

  • Medicines on the drug list that you’ve already tried
  • Evidence that the medicine you want to take is effective
  • Medical necessity

If the pharmacy team approves your exception, your medicine will be covered even if it’s not on the drug list. Requests generally receive a response within one business day.

Download formulary exception form

There are a few drugs that are never approved for an exception. Pharmacists and doctors compiled this list based on availability of suitable alternatives, outcomes and cost effectiveness.

See excluded drug list

Yes, your doctor can initiate an appeal by calling the Pharmacy team at 952-883-5813. The new request should include any relevant information that wasn’t included in the original request. A medical director will review the appeal within three business days, or you can request an expedited review.

MED means that a medical policy applies to the drug. Your doctor usually administers these drugs in a healthcare setting. The policy specifies the conditions for which a doctor can prescribe these drugs. It also outlines any other rules that apply to administering them. You can see coverage rules that apply on the coverage criteria page.

See coverage criteria

A committee of doctors and pharmacists reviews the drug list on a regular basis. The team looks at the latest research, FDA approvals and market conditions. Their goal is always to make sure members can access the most effective drugs at a cost they can manage.

See details about recent changes to the drug list below:

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