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Pharmacy benefits for your Consumer Driven Option federal plan

OptumRx provides pharmacy benefits for Consumer Driven Option members and features more than 64,000 pharmacies, including large national chains, community pharmacies, OptumRx Home Delivery, and Optum Specialty.

Coverage for retail and mail-order prescriptions

Consumer Driven Option 2025 prescription coverage

Network retail

Tier 1/Tier 2

Lower cost/Mid-range cost

Tier 3

Highest cost

In-network you pay

25% ($15 min/$200 max per Rx) for a 30-day supply

$400 for a 60-day supply

$600 for a 90-day supply

40% ($15 min/$300 max per Rx) for a 30-day supply

$600 for a 60-day supply

$900 for a 90-day supply

Network home delivery

Tier 1/Tier 2

Lower cost/Mid-range cost

Tier 3

Highest cost

25% ($10 min/$200 max per Rx) for a 30-day supply

$400 for a 60-day supply

$600 for a 90-day supply

40% ($10 min/$300 max per Rx) for a 30-day supply

$600 for a 60-day supply

$900 for a 90-day supply

Access your Consumer Driven Option pharmacy account

Calculate the cost of your medications

Visit the OptumRX drug pricing tool.

Your prescription drugs are covered 100%

Your Personal Care Account (PCA) covers 100% of eligible expenses, including prescription drugs. If you fill a prescription when you have benefit dollars available in your PCA, the funds will be applied, and you’ll pay nothing.

Save money on your prescriptions

Receive a discount when you use OptumRx Home Delivery. When you order or refill a prescription by mail, the discounted cost of the medication will be subtracted from your PCA.