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Postal Service employees and retirees

Call 1-833-497-2416 (TTY: 711)

Prescription benefits overview

Prescription and pharmacy benefits information

Your medication is important

All MHBP plans provide comprehensive prescription drug coverage, along with tools and guidance to help you find covered medications and understand your costs.

This means you can get nationwide access to network pharmacies, low copays for generic medications and mail-order pharmacy services. Our prescription drug plans offer tools and guidance to help you find covered medications and understand your costs.

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Make the best choices for your health and budget no matter which MHBP plan option you have

  • Nationwide access to network pharmacies
  • Low co-payments for covered generic medications at network pharmacies for up to a 30-day supply
  • 90-day supply at CVS Caremark® Mail Service Pharmacy or CVS Pharmacy®
  • International Prescription Drug Coverage

Mail order and retail pharmacy

Receive up to a 90-day supply of eligible maintenance medications delivered directly to your home. These medications may also be available at the same cost share through participating CVS retail pharmacies.

You may order your prescriptions by mail, internet or phone.

Mail order and retail pharmacy information

Prescription benefits
(when Medicare is not primary)

All MHBP plans include comprehensive prescription drug coverage. 

Tips for using your prescription benefits:

  • Ask your doctor to consider prescribing medications from your Prescription Drug Guide/Formulary drug list when medically appropriate. To help save you money, ask if a generic medication is available.
  • Fill your prescriptions at a network pharmacy.
  • Renew prescriptions before you run out of your medication, or ask us about our Auto Refill or Renewal Programs.
  • Provide your MHBP ID card at the pharmacy.
  • Use Vaccine Network pharmacies to get your flu shot and other covered immunizations — you’ll pay nothing*.
Find a Network Pharmacy

Remember: Certain medications require preauthorization. List of medications requiring preauthorization are available through the Prescription Drug Guide/Formulary links below. Refer to Section 5(f) of the official Plan brochure for more details on your prescription drug coverage.

*Please note: MHBP offers a Vaccine Network Pharmacy Program that covers seasonal and non-season vaccines, please refer to Section 5(f) of the official Plan brochure for more details.

Talk to a nurse anytime

Nurses are available to answer general medication questions at no cost to you anytime at 1-800-556-1555 (TTY: 711).

2027 Standard Option Rx benefits (No deductible applies)

Generic – You Pay Preferred Brand** – You Pay Non-Preferred Brand** – You Pay Generic/Preferred Brand Specialty Drugs † – You Pay Anti-obesity medication** - You Pay
Up to 30-day supply from a network pharmacy $5 copay 30% of the Plan’s allowance, limited to $200 per prescription 50% of the Plan’s allowance 30% of the Plan’s allowance, limited to $300 per prescription 50% of the Plan's allowance
Up to 90-day supply through mail order or CVS Caremark Specialty Pharmacy $10 copay 30% of the Plan's allowance, limited to $400 per prescription 50% of the Plan's allowance 30% of the Plan’s allowance, limited to $600 per prescription 50% of the Plan's allowance
† Specialty medications are used to treat chronic, complex conditions and typically require special handling and close monitoring. Specialty drugs must be obtained from CVS Specialty® Pharmacy.
**You will pay the copayment or coinsurance amount and the difference in cost between our allowance for the generic and brand name drug when a generic is available, unless a brand exception is obtained.

2026 Consumer Option Rx benefits (Deductible applies)

Generic** – You Pay Preferred Brand Name (Formulary)** – You Pay Non-Preferred Brand Name (non-formulary) ** – You Pay Generic/Preferred Brand Specialty Drugs† – You Pay
Up to 30-day supply from a network pharmacy $10 copayment* 30% of the Plan’s allowance, limited to $200 per prescription* 50% of the Plan’s allowance, limited to $200 per prescription.* 30% of the Plan’s allowance, limited to $225 per prescription*
Up to 90-day supply through mail order or CVS Specialty Pharmacy $20 copayment* $80 copayment per prescription* $120 copayment per prescription* 30% of the Plan’s allowance, limited to $425 per prescription*
† Specialty drugs are used to treat chronic, complex conditions and typically require special handling and close monitoring. Specialty drugs must be obtained from CVS Specialty®Pharmacy.

*The annual deductible of $2,000 per person/$4,000 per family for medical and Rx expenses combined applies to all services except preventive care.
**You will pay the copayment or coinsurance amount and the difference in cost between our allowance for the generic and brand name drug when a generic is available, unless a brand exception is obtained.

2027 Value Plan Rx benefits (No deductible applies)

Generic – You Pay Preferred Brand* – You Pay Non-Preferred Brand* – You Pay Anti-obesity medication* - You Pay
Up to 30-day supply from a network pharmacy $10 copay 45% of the Plan’s allowance, limited to $300 per prescription 75% of the Plan’s allowance 50% of the Plan's allowance
Up to 90-day supply through mail order $30 copay 45% of the Plan’s allowance, limited to $500 per prescription 75% of the Plan’s allowance 50% of the Plan's allowance
*You will pay the copayment or coinsurance amount and the difference in cost between our allowance for the generic and brand name drug when a generic is available, unless a brand exception is obtained.

Prescription drug coverage resources

If you are a current MHBP member, you can log in to your Caremark.com account to check the estimated cost of a prescription. Your prescription claim history and plan design are considered when estimating your drug costs.

Please review the messages on the Coverage and Cost Results page, including “Plan Notes,” for important plan information that may impact your coverage. Examples of information displayed on the page or under “Plan Notes” include:

  • PRIOR APPROVAL IS REQUIRED – Medications that require Prior Approval and/or Specialty pricing & network are not a guarantee of coverage
    • When a drug has any exception or prior authorization pathway available under the plan, the calculator will display the drug along with system‑generated messaging, such as “Prior Authorization Required,” and an estimated tier‑based cost. This display reflects the existence of a potential exception pathway only and should not be interpreted as confirmation of coverage.
  • Plan Limitations Exceeded. Examples could include quantity or days supply – Medications that have quantity or other limits
  • NOT COVERED OR MAY NOT BE THE APPROPRIATE REGIMEN as defined by your plan – Medications not covered by the plan

 

Cost estimates for medications with age- or gender-specific benefits may not be accurate.

Cost estimates may not be accurate for medications when prescription fill history is considered in copay or coinsurance calculations.

Please refer to the Prescription Drug Guide/Formulary below to review covered medications.

Need help with a specific medication? Contact CVS Caremark at 1-833-252-6645 for assistance.

Are generic drugs really as good as brand names?

You might wonder if generic drugs are as good as brand-name ones. You might think that generic drugs are lower in quality and not as effective as brand-name drugs. This is not true. Generic drugs are:

  • Safe and effective – The U.S. Food and Drug Administration (FDA) holds generic drugs to the same standard as their brand-name alternative. They must have the same active ingredients, be equivalent in strength and dosage, and meet the same standards for safety, purity and effectiveness as the original brand-name product.
  • Cost-effective – You save money when you choose generic drugs over brand-name drugs.

 

The fact is, generic drugs work just as well as brand-name drugs, but cost less. And generics are available for many brand-name drugs. So when you need a new prescription, ask your doctor if a generic equivalent can be prescribed.

  • For help with any of these prescription drug resources, please call CVS Caremark® Customer Care at  1-833-252-6645 (TTY: 711).

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Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). This is a brief description of the features of this MHBP plan. Before making a final decision, please read the Official plan brochure. All benefits are subject to the definitions, limitations and exclusions set forth in the Official plan brochure. To enroll in any MHBP plans, Mail Handler employees must pay full regular membership dues (which varies by Local Union). All other postal employees and federal employees must pay associate membership dues in a single annual payment of $52.

Aetna and CVS Caremark® are part of the CVS Health® family of companies.

Standalone Prescription Drug Plans are offered by SilverScript, a CVS Health company.

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