How Drug Benefits Work

Understanding Your Drug Coverage

Getting prescription drugs is simple. Here's how a standard plan works for pharmacy and prescription drug coverage:

  1. Try our Find a Drug or Pharmacy search tool then visit a participating pharmacy with your prescription and your Blue Cross NC member ID card.
  2. Read these Copayment Tier Definitions to get a better picture of how we calculate your cost. Copayments and coinsurance costs come in “tiers” or levels of cost, ranging from 1 (lowest) to 6 (highest). You’ll pay a copayment or coinsurance amount for each prescription, unless it’s been waived.
  3. That’s it! Your claim is filed electronically – no paperwork is needed from you.

 Learn More on Blue Connect, our website for members, or call us at 1-877-258-3334.