Health ProtectorGuard plan pharmacy and drug coverage information
Health ProtectorGuard fixed indemnity plans are underwritten by Golden Rule Insurance Company.
Is my medication covered?
If you have a Choice Plus, Primary Preferred, Select Preferred, or Premier Plus plan, the plan includes a fixed benefit for a set number of prescription fills per person, per calendar year subject to plan provisions, exclusions and limitations. This benefit applies to any FDA-approved medication – generic or brand – for which you submit a claim.
Plus, the Optum Perks discount card included with all Health ProtectorGuard plans offers discounts for FDA-approved prescription medication. It is not insurance. It is a discount program only.
Where can I get my prescription filled?
Health ProtectorGuard plans that include a prescription drug benefit do not require you to stay within a network. Visit any pharmacy in the U.S., pay for your prescription, and include the receipt when you submit your claim.
The Optum Perks discount card included with all plans is honored at most U.S. pharmacies. The amount of the discount can vary from one pharmacy to another. To check if a specific pharmacy participates, please call 1-866-407-8901.
How much will my prescription drugs cost?
Plans come with an Optum Perks discount card that can provide savings of up to 30-80%.* The Optum Perks card is not insurance; it is a discount program only.
Additionally, the Choice Plus, Primary Preferred, Select Preferred, and Premier Plus plans include a fixed benefit for a set number of prescription fills per person, per calendar year. The plan includes benefits for both brand name and generic drugs, with copays varying depending on which plan you have.
Note: If you have a major medical plan, you may need to stay with certain networks and providers to get the most coverage out of that plan. Be sure to take that into consideration.
* Based on pharmacy’s usual and customary price. Actual savings may vary.