Navigating Rx Benefits

MEMBER RESOURCES

Be Informed. Be Proactive. Be Well.

Understanding your pharmacy benefits helps you get the medications you need—safely and affordably.

What are pharmacy benefits?

Your pharmacy benefits are part of your health insurance plan that help cover the cost of prescription medications. They determine:

• What medications are covered (your formulary)
• How much you pay
• Where you can fill your prescriptions

Why do pharmacy benefits matter?

Prescription drugs can be costly. The right pharmacy benefits help you:

• Access medications that are safe and effective
• Pay less out of pocket
• Get support when questions or issues come up

Your employer partnered with Ventegra to offer a pharmacy benefit designed with your wellbeing in mind:

• Lower costs for you and your family
• Transparent pricing—no hidden markups
• Clinical integrity—medications that are safe, effective, and appropriate

Helpful Tips

Use the tips below to make the most of your benefits, ask the right questions, and save on your prescriptions.

How to Use Your Pharmacy Benefits & Save on Prescriptions

• Check your formulary to see if your medication is covered.
• Use in-network or preferred pharmacies to get the best pricing.
• Ask your doctor or pharmacist about lower-cost options like generics or biosimilars.
• Track your benefits through your member portal.

Important Questions to Ask your Doctor or Pharmacist

Is there a lower-cost alternative that works just as well—and is it covered by my plan?

Share your plan formulary (drug list) with your doctor and ask about generics, biosimilars, therapeutic equivalents, or formulary-preferred options. Your provider or pharmacist can help you review your formulary and choose the best option for your condition.

Can we review all the medications I’m taking?

Ask about ways to simplify your medication routine and side effects to watch out for.