Thrive

This table gives you basic information about the prescription drug benefits that are available with some of our plans. For more details, see the Comprehensive Formulary (PDF) in the Plan Documents section

Deductible Stage

There is no deductible for KelseyCare Advantage drugs on tiers 1, 2, 6, formulary insulins, or formulary vaccines. You will pay a yearly deductible of $100 on Tiers 3, 4 and 5 drugs. You must pay the full cost of your Tiers 3, 4, and 5 drugs until you reach the plan’s deductible amount.

Initial Coverage

After you pay your yearly deductible, you pay the following until your total yearly drug cost reach $5,030. Total yearly drug costs are the total drug cost paid by both you and our Part D plan. You may get your drugs at network retail and mail-order pharmacies.

* The preferred cost-sharing pharmacies in the Greater Houston area include Kelsey Pharmacy, HEB, CVS retail locations and CVS Caremark Mail Service.

Coverage Gap Stage

The coverage gap begins after the total yearly drug cost (including what our plan has paid and what you have paid) reaches $5,030. KelseyCare Advantage offers additional gap coverage for drugs on Tiers 1, 2, 6, insulins, and vaccines. You will continue to pay the initial coverage stage copays for these products. Refer to the tables above to determine your copays for these products.

After you enter the coverage gap, you pay 25% of the plan’s negotiated price for covered drugs on Tiers 3, 4, and 5 until your out-of-pocket costs total $8,000, which is the end of the coverage gap. Not everyone will enter the coverage gap.

Catastrophic Coverage Stage

After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $8,000, you pay the greater of:

• Your plan pays the full cost for your covered Part D drugs. You pay nothing.
• For excluded drugs covered under our enhanced benefit, you continue paying your Initial Coverage Stage cost-share.

Additional Prescription Drug Benefits

Select Care Drugs Tier

KelseyCare Advantage is ensuring you have easy access to many of the vaccines you need and drugs you take to treat high blood pressure, high cholesterol and diabetes – all at a $0 copay!

Tier 6 covers Medicare Select Care Drugs at a $0 copay, all year long, at any network pharmacy including:

Vaccines
33 vaccinations that protect you from serious disease and illness.

Maintenance Medications
46 generic oral medications prescribed most to help you manage chronic conditions. Tier 6 drugs are covered at $0 copay all year, including during the Medicare Coverage Gap. 

Excluded Drug Coverage

We offer additional coverage of some prescription drugs not normally covered in a Medicare prescription drug plan (enhanced drug coverage). This includes coverage of certain drugs excluded from Medicare Part D Coverage.

As part of the plan's enhanced drug coverage for Calendar Year 2024, the excluded drugs sildenafil 25 MG, 50 MG and 100 MG Tablet, folic acid 1 MG Tablet, ergocalciferol (vitamin D2) 1.25 MG Capsule, vitamin B12 1000 MCG/ML Injection are covered on tier 2. Payments you make for excluded drugs are not included in your out-of-pocket costs.

The covered excluded drugs in 2024 are listed below

Drug Name	Tier	Drug Restrictions
sildenafil 25 MG, 50 MG and 100 MG Tablet	2	Quantity Limit of 6 Tablets every 30 days
folic acid 1 MG Tablet	2	Quantity Limit of 30 Tablets every 30 days
ergocalciferol (vitamin D2) 1.25 MG Capsule	2	Quantity Limit of 4 Capsules every 28 days
vitamin B12 1000 MCG/ML Injection	2	Quantity Limit of one vial every 30 days

The amount you pay when you fill a prescription for these drugs does not count towards drug cost for entering the Coverage Gap Stage nor does it contribute to entering the Catastrophic Coverage Stage.