Get Your Medication

Prescription benefits come with many choices. The following information is meant to help you understand those choices and ask your doctor or pharmacist the right questions regarding medications for you and your family.

Understanding Your Prescription Benefits

Physicians Health Plan works to provide the highest quality of healthcare coverage possible in the most cost-effective way. In support of this philosophy, PHP offers a variety of prescription drug benefit packages to its employer groups.

If your group insurance plan with PHP includes a pharmacy benefit, your employer may offer a single-, two-, three- or four tier drug benefit program. Each drug benefit program works with the Prescription Drug List (PDL). Understanding how the PDL and different tier benefit programs work will help you make the most of your pharmacy benefit.

Prescription benefit programs are designed to provide you with a comprehensive selection of prescription drugs. Together with your doctor, you may refer to these lists to consider your choices and select the appropriate medication to meet your needs. Keep in mind that your certificate of coverage defines your actual benefit coverage and may exclude coverage for certain drugs listed in the Prescription Drug List.

What is a Prescription Drug List (PDL)?

The PDL contains generic and brand-name prescription medications that can be used for conditions treated outside of a hospital. The U.S. Food and Drug Administration has approved all drugs on the list. A team of doctors and pharmacists meets regularly to review and update the list. Generally, all drugs will fall into one of four categories:

Note: If the member has a “closed” pharmacy benefit (single-tier or two-tier pharmacy benefit) then medications on the non-preferred list are generally not covered except under certain processes consistent with applicable law.

Types of Prescription Benefits

Outlined below are the current options available to employer groups that purchase a prescription drug benefit from PHP. Several copayment combinations are offered within each of these options. Please call PHP Customer Service at 517.364.8500 or 800.832.9186 if you are unsure of which benefit you have or to check your copayments. Members may also visit Caremark. If you are a first-time user of Caremark/CVS, you will need to register with your PHP subscriber number.

Prescription Drug List (PDL)/Formulary

Prescription drug lists, also known as formularies, are chosen by your employer for your benefit plan. Pharmacy benefits are CVS/Caremark. You can verify the drug coverage you have by contacting PHP Customer Service at 517.364.8500 or 800.832.9186, or by visiting Caremark. If you are a first-time user of Caremark, you will need to register with your PHP subscriber number.

Providers can prescribe any drug from the PDL that is deemed medically appropriate for our members. To give patients access to non-PDL medications, providers can request prior authorization in writing to PHP. You may initiate the prior authorization request via email or phone, but pertinent medical information required to process the request must be obtained by PHP from your physician’s office. The prior authorization criteria were developed with input from physicians and pharmacists as well as from current medical literature.

You should instruct your healthcare provider’s office to complete the prior authorization form and fax it to our on-site Pharmacy Department at 517.364.8413. Your provider will be notified of the decision to approve or deny the request. If a request is denied, alternatives may be suggested.

Medications listed on the PDL are covered drug products, selected according to safety efficacy and quality standards first and then by cost-effectiveness. The PDL contains more than 800 drugs, representing multiple therapeutic needs. The PDL often requires the use of generic drugs. 

These lists are subject to change.


Pharmacy Services

If your benefit plan includes pharmacy services through PHP, you have access to a nationwide network of pharmacies for prescription refills.

If you require specialty medications (such as those given in a physician’s office or self-injectibles), please use one of the following:

  • CVS/Caremark Specialty Pharmacy
  • Coram HealthCare Corporation
  • Walgreens Specialty Pharmacy Infusion Services


Find a Pharmacy

In order to locate a pharmacy in-network, visit Caremark. If you are a first-time user of Caremark, you will need to register with your PHP subscriber number.

Save More with CVS Caremark!

Using Caremark.com or the CVS mobile app can make it easy to manage your prescription benefits. You can:
  • Refill your prescriptions online or use the mobile app to scan the barcode on your prescription label.
  • Order new prescriptions and renewals online. CVS will take care of contacting your doctor.
  • Manage delivery by mail, auto-refill, find a pharmacy and more.
  • Choose from retail and mail options for 90-day prescriptions.
  • See how much you've spent and where you might have savings opportunities - you can even break down your costs by family member.
  • See savings options by prescription and print a report so your doctor can help you choose.