## Prescription drug basics

 ### Learn the basics

It’s important to understand how your health plan covers different kinds of prescription drugs so you won’t be surprised by unexpected costs.

- [Learn about prescription drug benefits](/understanding-health-insurance/prescription-drugs/understanding-prescription-drug-benefits "Understanding prescription drug benefits")



 

 

 

 ### Take your meds

If you have diabetes, high blood pressure or high cholesterol and don't take medication as prescribed, your chance of complications can be serious

- [Get help taking your medications](/understanding-health-insurance/prescription-drugs/get-help-taking-your-medications "Get help taking your medications")



 

 

 

 

 

### We're here to help

Talk to a Blue Cross representative:

**1-800-262-0823** (TTY 7**11**)

[Connect with a Blue Cross Advisor](/our-plans/blue-cross-advisors "Blue Cross Advisors")

Contact your agent or [find one near you.](https://agentfinder.bluecrossmn.com/)

*If your prescription drug benefits are administered by another company, contact your human resources department.*



 

 

 



 

 



 

 

 

 

 

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### Search a drug list

A drug list (formulary) is a list of generic and brand-name drugs covered by a health plan. Not all drugs on the list may be covered by your plan.

[Log in to your account](https://identity.bluecrossmn.com/u/login?state=hKFo2SBIYVFOYmRRNnJQbXFMNTZMRmZmUnpYMUh4cjc2b3FkaqFur3VuaXZlcnNhbC1sb2dpbqN0aWTZIDg5WjVSRGhpdnRGdjJIekNwTTlzb1I4ZHBfZEpTOHpUo2NpZNkgcDZ2elJyNHBQRUFvWkM4d0NVQWNMU3VNSHU2OEJKMm4) for the most up-to-date information for your plan and direct access to your covered drug list.

[Individual and family and employer plans drug lists](https://www.myprime.com/v/BCBSMN/COMMERCIAL/en/medicines/find-medicine.html)

- You'll need to know the name of your drug list. Refer to your health plan materials or call the number on your member ID card for help.

[Medicare drug lists](https://www.myprime.com/v/BCBSMN/MEDICARE_D/en/medicines/find-medicine.html)

- You'll need to know the name of your Medicare plan.



 

 

 



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### Find a pharmacy

Use a pharmacy in your network to get the most from your benefits.

[Log in to your account](https://identity.bluecrossmn.com/u/login?state=hKFo2SBIYVFOYmRRNnJQbXFMNTZMRmZmUnpYMUh4cjc2b3FkaqFur3VuaXZlcnNhbC1sb2dpbqN0aWTZIDg5WjVSRGhpdnRGdjJIekNwTTlzb1I4ZHBfZEpTOHpUo2NpZNkgcDZ2elJyNHBQRUFvWkM4d0NVQWNMU3VNSHU2OEJKMm4) for the most up-to-date information for your plan and to easily find a pharmacy in your network.

If you don't log in, you'll need to know the name of your pharmacy network and choose it from a dropdown menu. You can find your pharmacy network name in your health plan materials or by calling the number on your member ID card.

[Find a pharmacy](/find-care/find-pharmacy-or-search-drug-list "Find a pharmacy or search drug list")



 

 

 



 

 



 

 

 

## Programs and more

 

### Home delivery

Check your benefit materials to see if you can have your prescriptions mailed to you.



 

[Find out how to get home delivery](/understanding-health-insurance/prescription-drugs/prescription-delivery-service)

 

 

 



### Get a 90-day supply

You may be able to save time and money with the 90-day supply program on prescriptions you fill on a regular basis.



 

[Find out how to get a 90-day supply](/understanding-health-insurance/prescription-drugs/90-day-prescription-supply)

 

 

 



### Prescription drug programs

We offer a range of programs to help you save time and money.



 

[View all prescription drug programs](/understanding-health-insurance/prescription-drugs/prescription-drug-programs)

 

 

 



### Prescription drug coverage exceptions

If you try to fill a prescription before reaching your refill allowance, your claim will be rejected as “refill too soon.” However, there are some situations when an override will be granted.



 

[Request a prescription drug coverage exception](https://www.myprime.com/en/coverage-exception-form.html)

[Request a Medicare prescription drug coverage determination/formulary exception](https://www.myprime.com/en/coverage-determination-form.html)

 

 

 



 

 



 

 

 

This information does not apply to Medicare plans or Medical Assistance (Medicaid) plans. View the [Medicare](/our-plans/medicare-plans "Medicare plans") and [Medical Assistance (Medicaid)](/our-plans/medical-assistance-medicaid "Medical Assistance (Medicaid)") sections for prescription drug information specific to each plan.

This information does not apply to people covered by an employer health plan.