HMSA’s 65C Plus (Cost) is closed to new members as of Jan. 1, 2011. Current
65C Plus members can remain in 65C Plus in 2013, unless they choose to leave the
plan. HMSA is offering Akamai Advantage for an effective
date of Jan. 1, 2013.
HMSA’s 65C Plus Basic Prescription Drug Coverage (Cost), BRx, is an optional
supplemental benefit for members of HMSA’s 65C Plus
Basic Option (Cost) health plan.
HMSA’s 65C Plus Prescription Drug Coverage (Cost) helps you manage your prescription
costs and protect against higher costs in the future.
- Statewide network of over 200 contracting retail pharmacies.
- Mail-order service is available for your convenience and savings.
- 65C Plus Prescription Drug Coverage (Cost) has contracts with pharmacies that equal
or exceed CMS requirements for pharmacy access in the state of Hawaii.
Online tools can help you manage your medications and make the most of your prescription
drug benefits. Find out if your drug is covered on HMSA’s formulary, find available
alternatives, and monitor your benefit status in relation to the Medicare Part D
coverage gap (also called the "doughnut hole") through the
Drug Comparison Tool . Log on to My Account
- Find out if there are lower-cost alternatives to the medications you’re currently
- See a list of all your prescriptions and how much you’ve spent on medications.
- See the possible side effects and adverse reactions of medications.
- Ask registered pharmacists questions 24 hours a day.
- Order prescriptions and refills online and have them delivered to your home.
How Much do You Pay for Drugs Covered by this Plan?
When you fill a prescription for a covered drug, you may pay part of the costs for
your drug. The amount you pay for your drug depends on what coverage level you are
in (i.e., deductible, initial coverage period, the period after you reach your initial
coverage limit, and catastrophic level), the type of drug it is, and whether you
are filling your prescription at an in-network or out-of-network pharmacy. Each
phase of the benefit is described below.
This page reflects in-network copayments. If you obtain prescription drugs from
out-of-netwok pharmacies, you may have to pay higher copayments/coinsurance than
shown here. See this plan’s Evidence of Coverage for specific copayments or
You will pay a yearly deductible of $325. After you meet the deductible, you will
reach the initial coverage period.
Initial Coverage Period
During the initial coverage period, HMSA will pay part of the costs for your covered
drugs and you will pay the other part in the form of a copayment or coinsurance.
The amount you pay will vary depending on the drug and where the prescription is
Once your total drug costs reach $2,970, you will reach your initial coverage limit.
Your initial coverage limit is calculated by adding payments made by you and HMSA.
During Initial Coverage Period, you pay:
For a 30-day Supply From a Network Pharmacy
- Tier 1 / Generic $6
- Tier 2 / Preferred Brand $45
- Tier 3 / Non-Preferred Brand $70
- Tier 4 / Specialty 25%
For a 90-Day Supply Through Mail-Order
- Tier 1 / Generic $12
- Tier 2 / Preferred Brand $90
- Tier 3 / Non-Preferred Brand $140
- Tier 4 / Specialty Drugs Not Available
After your total drug costs reach $2,970, you pay 47.5% for brand drugs or 79% for generic drugs. When your total out-of-pocket costs reach $4,750, you will qualify for catastrophic coverage.
Use the online tools at My Account
to keep track of your drug costs. You’ll see a list of all your prescriptions
with current totals of how much you’ve spent on medications.
All Medicare Prescription Drug Plans include catastrophic coverage for people with
high drug costs. To qualify for catastrophic coverage, you must spend $4,750 out-of-pocket
for the year. During catastrophic coverage, you will pay a reduced copayment or
coinsurance amount for your covered drugs. HMSA will pay the rest.
During the Catastrophic Coverage Period, you pay:
From a Network Pharmacy or through Mail-Order
You pay the greater of: 5% coinsurance, or $2.65 copay for generic (including brand
drugs treated as generic) and a $6.60 copay for all other drugs.
Extra Help with Medicare Prescription Drug Costs
You may be able to get Extra Help with Medicare Prescription
Drug costs. If eligible, Medicare could pay for 75 percent of drug costs, including
monthly prescription drug premiums, annual deductibles, and coinsurance. Many people
are eligible for these savings and don’t even know it.
Additionally, those who qualify will not be subject to the coverage gap or a late
To see if you qualify for getting Extra Help, call:
- 1 (800) MEDICARE [1 (800) 633-4227]. TTY users should call 1 (877) 486-2048, 24
hours a day/seven days a week;
- The Social Security office at 1 (800) 772-1213 between 7 a.m. and 7 p.m., Monday
through Friday. TTY users should call 1 (800) 325-0778; or
- Your state Medicaid office.
Current 65C Plus Prescription Drug Coverage (Cost) members with questions about
their plan may contact Customer Service
from 8 a.m. to 8 p.m., seven days a week.
Oahu: (808) 948-6000
Neighbor Islands: 1 (800) 776-4672 (toll-free)
For the hearing- and speech-impaired:
Appeals & Grievances
65C Plus (Cost) has a contract with the Centers for Medicare & Medicaid Services
(CMS), the government agency that runs the Medicare program. This contract renews
each year. At the end of each year, the contract is reviewed, and either 65C Plus
(Cost) or CMS can decide to end it. It is possible for our contract to end at some
other time during the year, too. If the contract should end, HMSA will provide advance
notice to all 65C Plus (Cost) members.
- Benefits, formulary, pharmacy network, premium, and/or copayments/coinsurance may change on Jan. 1, of each year.
- Limitations, copayments, and restrictions may apply.
- You must use network pharmacies to access your prescription drug benefit, except
under non-routine circumstances. Quantity limitations and restrictions may apply.
- The benefit information provided is a brief summary, not a complete
description of benefits. For more information, contact the plan.