Medicare Prescription Coverage

UPMC for Life Part D Prescription Drug Coverage

Make sure your prescription drugs are covered. UPMC for Life covers thousands of brand-name and generic medications. These drugs are reviewed and approved by UPMC physicians, community pharmacists, and Medicare.

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Prescription Drug Formularies

UPMC for Life has two Part D prescription drug formularies. A formulary is a list of covered drugs for your plan. The name of the formulary and the plans that use it are important for you to know when reviewing your prescription drug coverage. Drug coverage is different between these formularies, so it's good to make sure you review the formulary for your plan in detail.

Here are two easy ways to make sure your medications are covered:

  • Search covered drugs (search our drug list by the name of the drug you are taking).
  • Download a formulary (download the formulary for your plan using the drop down above).

Each formulary has five levels of drug benefits. These levels are referred to as drug tiers. Learn about our drug tiers below, along with benefits that can help you save money on covered prescription drugs.

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UPMC for Life drug tiers

  1. Preferred Generic
  2. Generic
  3. Preferred Brand
  4. Non-Preferred Drug
  5. Specialty

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Top 200 drug list

Our top 200 drug list includes the most commonly used prescription drugs for members in our UPMC for Life plans along with their drug tiers.
UPMC for Life 2024 top 200 drug list

UPMC for Life 2025 top 200 drug list

This is not a complete list of the drugs we cover. See your plan formulary for a complete list.

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Annual limit of $2,000 for Part D prescription drug costs

As part of the Inflation Reduction Act, there will no longer be a Medicare Part D Coverage Gap (donut hole). Starting Jan. 1, 2025, all Medicare beneficiaries will have a maximum out-of-pocket of $2,000 on Part D prescription drug costs. This means once you meet the $2,000 limit, you will no longer be responsible for paying any out-of-pocket costs for your prescriptions throughout the rest of the year!

Learn more about the 2025 Medicare Part D stages of prescription drug coverage.


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$0 copay for Tier 1 AND 2 medications at preferred pharmacies

Our $0 drug list includes both Tier 1 and Tier 2 medications. These prescriptions have a $0 copay when filled at preferred pharmacies. That means members on the Advantage Rx formulary also have a $0 copay for brand-name diabetes medications on Tier 2. See your plan formulary for a complete list of covered Tier 1 and 2 medications. 

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Insulin medications

Covered insulins have a maximum $35 copay for each one-month supply. This means you will not pay more than $35 for a 30-day supply or more than $105 for a 100-day supply during deductible (if applicable) and the initial coverage stages. Once you reach the catastrophic stage, you will no longer pay for your prescriptions. Your Medicare Advantage plan will be responsible for paying your share of the cost for your prescriptions. See your plan Evidence of Coverage for more information.

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Take advantage of preferred pharmacies

Members can fill prescriptions at any in-network pharmacy of their choice and can have low copays when filling at one of our preferred retail or mail-order pharmacies. Some preferred retail pharmacy locations include Costco, Giant, Giant Eagle, Rite Aid, Sam’s Club, Walgreens, Walmart, Wegman's, and Weis. Search for a preferred pharmacy near you.

With Express Scripts, our preferred mail-order pharmacy, you can have your prescriptions delivered right to your door! Simply ask your doctor to send your prescription to Express Scripts or call 1-877-787-6279 (TTY: 1-800-899-2114) 24 hours a day, 7 days a week. Your medications should be delivered within 15 business days. If your medications do not arrive within this time frame, call the phone number above.

Make sure to use your UPMC for Life member ID card when filling medications to be sure you get the lowest copays available.

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Prior authorization requirements

Some of the drugs that UPMC for Life covers may require you and your doctor to get prior approval. Select your plan to see a list of which drugs require prior authorization.

Step therapy requirements

In some cases you may need to first try certain drugs to treat a medical problem before we will cover another drug. Select your plan below to see which drugs require step therapy.

Quantity Limits

For certain prescription drugs, our plan limits the amount of the drug that we will cover. Prescription drugs with quantity limits are listed in your plan’s comprehensive formulary (list of covered drugs). To see if any of your prescription drugs have a quantity limit, select your plan’s comprehensive formulary above and check for "QL" next to the drug name under Requirements/Limits.

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Part B Drugs and Supplies

The document below contains a list of select Part B drugs that UPMC for Life covers.
Covered Select Part B Drugs and Supplies, Last updated 12/22/2020


The document below contains a list of drugs that require Part B Step Therapy.
2024 Drugs and Products Requiring Part B Step Therapy or Prior Authorization, Last updated 8/7/2024

2025 Drugs and Products Requiring Part B Step Therapy or Prior AuthorizationLast updated 11/13/2024

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Medicare Prescription Payment Plan

Starting Jan. 1, 2025, Medicare members with high prescription drug costs can get help with their payments through the Medicare Prescription Payment Plan. This new payment option allows you to spread your prescription drug costs across monthly payments throughout the year instead of paying them up front at the pharmacy.

Learn more about the Medicare Prescription Payment Plan.

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Get help with medication costs

If you have limited income, you may qualify for Extra Help to pay for your prescription drugs. Many people are eligible for these savings and don't even know it. See the Low-Income Subsidy Premium Summary Table below to get details about low-income subsidies in your area.

2024 Low Income Subsidy Premium Summary Table, Last updated 10/1/2023
2025 Low Income Subsidy Premium Summary Table, Last updated 10/1/2024

Language assistance

Apply for Extra Help with your medications at socialsecurity.gov

 

How do I ask about my LIS status or level?

To find out about your LIS status or level, call:

  • 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048.
  • Social Security at 1-800-772-1213 Monday through Friday from 8 a.m. to 7 p.m. TTY users should call 1-877-486-2048.
  • Your state Medical Assistance (Medicaid) office. In Pennsylvania the Medicaid program is managed by the Department of Human Services (DHS). In Ohio the Medicaid program is managed by the Department of Medicaid.
  • Medicare may not have the correct income information to give UPMC for Life at the time a person is applying for help. The Best Available Evidence policy helps plans review costs for those members.

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Medication Therapy Management (MTM) program

UPMC Health Plan has developed a unique medication therapy management program for members who take many medications and meet certain criteria.

Use the links below to learn more:

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Shop for Medicare plans

Find a UPMC for Life Medicare plan that best fits your needs. You can compare and sort plans here.

Request a free information kit

Request a free information kit to learn about UPMC for Life plans and coverage options.

Contact us

We can answer your questions and help you choose a Medicare plan that's right for you.

Contact us

UPMC for Life Members
Call us toll-free: 1-877-539-3080 (TTY: 711)

Oct. 1 – March 31: 
Seven days a week from 8 a.m. to 8 p.m. 
 
April 1 – Sept. 30: 
Monday through Friday from 8 a.m. to 8 p.m. 

UPMC for Life Prospective Members
Call us toll-free: 1-866-400-5077 (TTY: 711)
Oct. 1 – March 31: 
Seven days a week from 8 a.m. to 8 p.m. 
 
April 1 – Sept. 30: 
Monday through Friday from 8 a.m. to 8 p.m. Saturday from 9 a.m. to 3 p.m.

This information is not a complete description of benefits. Call 1-866-400-5077 (TTY: 711) for more information. Out-of-network/Noncontracted providers are under no obligation to treat UPMC for Life members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services. Other physicians/providers are available in the UPMC for Life network.

This information is available for free in other languages. Please call our customer service number at 1-877-539-3080 (TTY: 711).

UPMC for Life has a contract with Medicare to provide HMO, HMO D-SNP, and PPO plans. The HMO D-SNP plans have a contract with the PA State Medical Assistance program. Enrollment in UPMC for Life depends on contract renewal. UPMC for Life is a product of and operated by UPMC Health Plan Inc., UPMC Health Network Inc., UPMC Health Benefits Inc., UPMC for You Inc., and UPMC Health Coverage Inc.

SilverSneakers is a registered trademark of Tivity Health Inc. SilverSneakers GO is a trademark of Tivity Health Inc. © 2024 Tivity Health Inc. All rights reserved.

UPMC for Life Members
Call us toll-free: 1-877-539-3080
TTY: 711

Oct. 1 – March 31:
Seven days a week from 8 a.m. to 8 p.m.

April 1 – Sept. 30:
Monday through Friday from 8 a.m. to 8 p.m.

UPMC for Life Prospective Members
Call us toll-free: 1-866-400-5077
TTY: 711

Oct. 1 – March 31:
Seven days a week from 8 a.m. to 8 p.m.

April 1 – Sept. 30:
Monday through Friday from 8 a.m. to 8 p.m. Saturday from 9 a.m. to 3 p.m.

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Last Updated: 10/01/2024

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Last Updated: 11/25/2024