Frequently Asked
Questions

• Can I save money on my healthcare costs?

  Taking advantage of your benefits can help you save money on healthcare costs. To help you lower your overall health insurance costs, you should always:

  • Use your no cost benefits, such as annual checkups, to help keep you healthy and identify potential risks early.
  • Make sure you see an in-network doctor or facility for treatment to avoid out-of-pocket costs
  • Visit an urgent care center for non-emergency issues such as colds or flu, sprains, and wounds
  • Choose 90-day prescription refills and Tier 1 $0 copay Preferred Generic Drugs whenever possible
  • Use your telemedicine benefit if it’s included with your health plan
• How do I use my coverage at the pharmacy?

  Pharmacy benefits are different for each Healthfirst health insurance plan. Please check your plan’s formulary for more information on which pharmacy medicines and other items are covered.

  Healthfirst has partnered with CVS Caremark to bring you a personal prescription drug account that will give you 24/7 access to important drug benefit information and tools that will make getting your prescription drugs easier. Click here to create your account or log in.

• Do generic drugs work as well as brand name drugs?

  Yes. Generics are the same as brand name drugs in many ways:

  • How you take the medicine (for example, pill or liquid)
  • Safety
  • Strength
  • Quality
  • How it works
  • How the medicine should be used

  This is required by the U.S. Food and Drug Administration (FDA). The difference is that generic drugs usually cost much less than brand name drugs. Not all brand name drugs are available as generic versions.

  To find out more about a specific drug, you can use our drug search tool.