Limits on drug coverage
This page contains information about programs that may limit your drug coverage.
On this page
The limits and restrictions described below help us track drug usage, safety, and costs. Drugs may be added to any of these programs at any time.
You can find out if your drug falls under any of these limits by checking the UMP Preferred Drug List or calling Washington State Rx Services at 1-888-361-1611.
For complete information, read the "Limits on Your Prescription Drug Coverage" section in your UMP CDHP Certificate of Coverage.
Some medications require preauthorization to determine whether the medication meets medical necessity and appropriateness criteria, or the plan will not cover them. If your drug requires preauthorization, your pharmacist or prescribing provider must call Washington State Rx Services at 1-888-361-1611 to request it.
NOTE: Drugs covered under the medical benefit rather than the prescription drug benefit have different rules for preauthorization; call Regence Customer Service at 1-888-849-3681 for more information.
Emergency fill: Emergency fill applies while the plan processes your preauthorization request and you need a limited quantity of a medication because a delay could result in emergency care, hospital admission, or a serious threat to your health or others in contact with you. To learn how this works, read the "Emergency Fill" section in your Certificate of Coverage.
Certain drugs have a quantity limit per prescription (how much or how many you get). If you need more than is covered under a quantity limit, your pharmacist or prescribing provider must call Washington State Rx Services at 1-888-361-1611.
If the plan denies your request or your provider or pharmacist does not get preauthorization, we will cover the drug only up to the quantity limit amount. You will pay for any extra amount.
Specialty drugs are high-cost drugs that need special handling and have special rules.
If you are prescribed a specialty drug, call Ardon Health, the UMP specialty drug pharmacy, at 1-855-425-4085. They will provide individualized help to get you the drug you need.
Learn about specialty drugs, including how much you'll pay for them, in the "Specialty Drugs" section of your Certificate of Coverage.
When a drug is part of the step therapy program, you have to try other drugs (Step 1) before the prescribed Step 2 drug will be covered. If you haven't first tried the Step 1 drug before being prescribed the Step 2 drug, your prescription will not be covered. When this happens, your provider will need to prescribe the Step 1 drug for you.
If you or your provider feels that you need the Step 2 prescription filled as originally written, your pharmacist or prescribing provider can call Washington State Rx Services at 1-888-361-1611 and request coverage. You will have to pay the entire cost of the drug if you have not tried the Step 1 drug and coverage hasn’t been authorized before you get the Step 2 drug.
To find out if step therapy applies to your drug, check the UMP Preferred Drug List or call Washington State Rx Services at 1-888-361-1611.
Note: Only network pharmacies will check to see if step therapy applies to your prescription drug. If you get a step therapy drug at a non-network pharmacy, the drug may not be covered.
To learn more about drug substitution, read "Can the pharmacist substitute one drug for another?" in your Certificate of Coverage.
Tip: If you do not want your drug to be changed, ask the pharmacist to fill the prescription as written.
Generic substitution under Washington State law
Your provider may write the prescription "dispense as written" if he or she wants you to get only the brand-name drug. You can also tell the pharmacist you want the brand-name drug, though you will usually pay more for drugs with a generic equivalent.
Alert! New generic drugs are released throughout the year. If you want to take advantage of the cost-savings that generics provide, ask your provider to allow substitution on your prescriptions, even if a generic drug isn’t available. That way, when one becomes available, the pharmacist can automatically refill with the generic.
Therapeutic Interchange Program (TIP)
The Washington State Therapeutic Interchange Program (TIP) allows a pharmacist to substitute a therapeutic alternative drug for a nonpreferred brand-name drug (Tier 3) in certain cases. Therapeutic alternatives are drugs that are chemically different from your prescribed drug but provide the same therapeutic benefit.
Check whether your drug is affected by TIP using the UMP Preferred Drug List or by calling Washington State Rx Services at 1-888-361-1611. Not all nonpreferred drugs are affected by TIP.
The pharmacist will substitute the preferred drug when your prescribing provider has “endorsed” the Washington Preferred Drug List, and:
- You are filling your prescription in Washington State or through PPS.
- Your prescribing provider allows substitution on your prescription.
Note: Regardless of whether you or your prescriber ask the pharmacist to “dispense as written,” if you get the nonpreferred drug, you will pay the higher Tier 3 coinsurance.
Using TIP at the mail-order pharmacy
The pharmacy will contact your provider to request authorization for the substitution. If approved by the provider, you will receive the alternative preferred drug along with a letter of explanation. If the pharmacy cannot get an authorization from your provider within 48 hours, the prescription will be filled as written, and you will be charged for the nonpreferred brand-name drug.
You may request a travel override to get an additional supply of medications for extended business or vacation travel. All of the conditions listed below apply.
- You may request no more than two travel overrides per calendar year, including all travel within or outside the United States:
- Within the United States, you may request up to a 90-day supply per prescription, or as allowed under that prescription.
- Outside the United States, you may request up to a 6-month supply per prescription, or as allowed under that prescription.
- Travel overrides will be granted only while you are covered by the plan. If your eligibility is ending, the plan does not cover drugs past the time when your enrollment in the plan ends.
- You will pay applicable charges (deductible and coinsurance) for each extra supply received.
To request a travel override, call Washington State Rx Services at 1-888-361-1611.
The plan will not cover a refill until 84% of the prior prescription should be used up. Claims for therapeutic equivalents of the previously prescribed drug will also be denied. This also applies if your prescription is destroyed, lost, or stolen. For example, if you get a 90-day supply and you try to refill this prescription before 76 days have passed, coverage will be denied.
Washington State Rx Services
Business hours: Monday-Friday 7:30 a.m. to 5:30 p.m. Pacific Time (PT)
Network mail-order pharmacy: Postal Prescription Services (PPS)
Fax (for providers only): 1-800-723-9023
Business hours: Monday-Friday 6 a.m. to 6 p.m. PT; Saturday 10 a.m. to 2 p.m. PT