Understanding AARP’s Prescription Drug Coverage
AARP, in partnership with UnitedHealthcare, offers Medicare Part D prescription drug plans that help seniors and eligible individuals save on their medication costs. These plans provide access to a wide range of prescription drugs at discounted rates, ensuring affordability for essential medications.
AARP Rx Drug List
The AARP Rx Drug List, also known as a formulary, is a comprehensive list of prescription medications covered under AARP/UnitedHealthcare Medicare Part D plans. The formulary is categorized into different tiers, which determine the out-of-pocket cost for each medication.
Typical Drug Tiers:
- Tier 1 – Preferred generic drugs (lowest cost)
- Tier 2 – Non-preferred generic drugs
- Tier 3 – Preferred brand-name drugs
- Tier 4 – Non-preferred brand-name drugs
- Tier 5 – Specialty drugs (highest cost)
The exact pricing of drugs varies based on the tier, plan selection, and pharmacy used.
AARP Rx Drug Prices
The cost of prescription medications under AARP’s plans depends on several factors, including drug tier, coverage phase, and pharmacy network. Here are the main elements influencing pricing:
- Deductible Phase – Some plans have an annual deductible that must be met before coverage begins.
- Initial Coverage Phase – Members pay a copayment or coinsurance based on the drug tier.
- Coverage Gap (Donut Hole) – After reaching a spending limit, members may have to pay a higher percentage of drug costs.
- Catastrophic Coverage – Once out-of-pocket costs exceed a certain threshold, lower copayments apply.
To get the most accurate pricing, beneficiaries can use AARP’s online formulary tool or visit the UnitedHealthcare website.
AARP Rx Discount Program
AARP also offers the AARP Prescription Discounts program, administered by OptumRx. This program provides savings on medications for members who may not have sufficient coverage through Medicare. Benefits of this program include:
- Discounts on brand-name and generic drugs
- Usable at over 66,000 participating pharmacies nationwide
- No age restriction—available to all AARP members
Frequently Asked Questions (FAQs)
What pharmacy does AARP use?
AARP’s prescription drug plans through UnitedHealthcare work with a network of preferred pharmacies, including CVS, Walgreens, Walmart, and many local pharmacies. Members can save more by using these in-network pharmacies.
Is Ozempic covered by AARP UnitedHealthcare?
Ozempic (semaglutide), a medication used to treat type 2 diabetes, is often covered under AARP/UnitedHealthcare Part D plans. However, coverage depends on the specific plan and drug formulary. Checking the AARP Medicare drug list can confirm its status.
Who is the preferred pharmacy for UnitedHealthcare?
Preferred pharmacies for UnitedHealthcare include major chains like Walgreens, CVS, Walmart, and Kroger. Using these pharmacies can result in lower out-of-pocket costs for prescription drugs.
What is the AARP Rx discount program?
The AARP Prescription Discounts program is a free benefit for AARP members, providing discounts on prescription medications at participating pharmacies. It is especially useful for those without Medicare drug coverage or those facing high drug costs.
Conclusion
Understanding the AARP Rx Drug List and Prices is essential for maximizing Medicare Part D benefits. Whether using a Part D plan or the AARP Prescription Discounts program, AARP members have access to a wide range of prescription drugs at competitive prices. For the most accurate information, members should review their specific plan details or use AARP’s online drug pricing tools.
