What insurance plans does CVS Pharmacy accept

On the marketplace plans:

• Are eligible for government subsidies
• Don’t include pediatric dental benefits

Off the marketplace plans:

• Mirror on-exchange plan benefits but aren’t eligible for subsidies
• Include pediatric dental benefits

If you have questions about insurance or need help finding financial assistance, we’re here to help.

Find out what terms like formulary and prior authorization mean and how these requirements can affect your medication options.

For decades, CVS Caremark has pioneered bold approaches to reduce prescription drug costs for our clients and members. Our efforts help more than 100 million people get the medications they need at prices they can afford. In fact, 85% of our members spend less than $300 on prescriptions each year.

As the health care system becomes increasingly complex and drugs become more expensive, our work has never been more important.

Learn how we save you money

Taking a new prescription, either for a new diagnosis or an existing condition, often comes with many questions. At CVS Caremark, we don’t just manage insurance claims. Our professionals — adhering to decisions made by your healthcare provider — offer personalized support to each patient so that they can successfully start and stay on their medications, leading to better health care outcomes and lower costs.

Learn how we support you on your journey

When health care is accessible and convenient, people are healthier, and costs are lower — it’s that simple. While many patients prefer to get their medications in person at their local pharmacy, CVS Caremark offers the option to receive prescriptions by mail wherever it’s most convenient — whether it’s at home, at the office, or while on vacation.

Learn how we get medications to you

Being transparent means enabling people to get all the information they need about their prescriptions, including understanding how to maximize their benefits by selecting the lowest-cost medicine under their plan. CVS Caremark helps answer questions about insurance coverage, directing members and pharmacists to the lowest-cost option at the pharmacy counter. Additionally, using the CVS Pharmacy Rx Savings Finder, retail pharmacists can quickly and seamlessly evaluate a patient’s prescription regimen, medication history and insurance plan information to find individual prescription savings opportunities.

Similarly, we provide our employer and health plan clients with detailed reports demonstrating the savings we’ve secured on their behalf through our negotiations with drug makers.

CVS accepts most, but not all, insurance plans to access your prescriptions or vaccinations. Therefore, it is helpful to know which insurances are accepted at CVC and which are not.

Depending on the insurance plan and coverage, you will have to pay CVS for your prescriptions at CVS for the portion that corresponds to the deductible or co-payment. CVS then collects the rest of the cost of the medicine from your insurance company.

CVS insurance accepted

As mentioned above, CVS accepts most insurance plans, but not all. On the other hand, the methods accepted will depend on each shop in some cases.

A quick way to find out if your insurance is covered is to use CVS’s online insurance verification tool. Thanks to this search engine, you will quickly find out whether or not you have the right coverage to apply at CVS.

How it works is simple. You enter the search engine and choose your insurance company and the plan you subscribe to. Then you enter your address (postcode). In the end, you are offered, as a result, all CVS shops that accept your insurance and your health plan.

If your health insurance company is not included, you will have to pay the costs in full. Of course, in this case, it depends on the services you have requested.

Examples of insurance companies accepted at CVS

Most major insurance companies are accepted at CVS, although it is good to remember that not all shops offer the same plans or even the same companies.

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Some of the most common ones:

• United Health Care
• Aetna
• Cigna
• Anthem Blue Cross
• Accepts CVS Medicaid

Yes, Medicaid fee-for-service is accepted at all CVS retail shops. Fee-for-service means that Medicaid pays directly for the cost of medical services provided by the company.

Fees vary according to geographic location (not all states have the same costs) and are not passed on to the patient.

Accepts Medicare CVS

CVS Pharmacy does accept almost all Medicare Part D plans. Publicly available drugs are prescribed and listed on the insurance plan’s formulary.

CVS Minute Clinic also accepts Medicare. However, it is advisable to check the insurance plan’s coverage to make sure that it is covered by the medical service you are going to use.

Apply for insurance at CVS

Using your insurance at CVS is no different than using your insurance at any other health or pharmacy provider.

First, when you want to access the services offered by CVS, you must verify that your insurance plan and insurance company are accepted.

Next, you must present your insurance or prescription card to be checked by CVS, and all plan details are accepted. The deductible or co-payment is charged only in this case, depending on how your insurance policy is underwritten.

If you do not have this coverage, CVS informs you that you do not have access to discounted medicines; you will have to pay for them in full out of pocket.

One aspect of this is the assistance you can get from the CVS CareTeam. If your insurer denies coverage, they can help you get approval or find a substitute drug accepted under your insurance plan. This fact is especially important for highly specialized medicines.

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Contact

In addition to the inquiries you can make at CVS shops and facilities, there are some customer service numbers you should consider:

• 1-800-237-2767 (TTY: 711) for prescription and medication inquiries. Hours of operation are Monday through Friday from 8:00 am to 6:00 pm.
• 1-800-250-9631 (TTY: 711) for payment and billing inquiries. Hours of operation are Monday through Friday from 8:00 am to 8:00 pm.

On the other hand, it is also worth remembering that it is possible to access financial literacy programs through CVS Specialty. Many insurers have CVS Specialty included in their networks. When paying for specialized medication, this service can help you find the financing you need.

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