Prescription Drug Benefits
Express Scripts (ESI) administers the GIC prescription drug benefit for non-Medicare
health insurance products. Use your ESI ID card when filling prescriptions.
Prescription drug deductible
You pay an annual prescription drug deductible of $100/individual and $200/family, separate from your health plan deductible. Once you have paid your prescription drug deductible, your covered prescriptions are subject to a copay.
Drug Copays
All GIC health plans feature a three-tier copay structure. The copayments vary depending on the drug dispensed. See tier structures below.
TIER 1
Lowest Copay
You pay the lowest copay.
Most generic drugs
fall into this tier.
TIER 2
Mid-Level Copay
You pay the mid-level copay.
Many brand name drugs
fall into this tier.
TIER 3
Highest Copay
You pay the highest copay.
This tier includes brand-name and generic drugs that don’t
fall into Tiers 1 or 2.
Covered drugs may change each January and July, when ESI updates its drug formulary.
