Pharmacy Information for Small Groups

The information on this page is applicable to Business BlueEssentialsSM policy holders. You may have one of these plans if you work for a small business and get health insurance through your employer. These plans are compliant with the Affordable Care Act (ACA).

Not sure if this page applies to you? Check your insurance card. The first three letters of your member ID should be ZCV or ZCR.

Select a tool or service to learn more about our small group pharmacy and prescription drug benefits.

Covered Drug List

BlueCross works with a team of health care providers to choose drugs that provide quality treatment. We cover drugs on the Covered Drug List, as long as:

  • The drug is medically necessary.
  • You fill the prescription at one of our network pharmacies.
  • You follow all plan rules.

For more information on how to fill your prescriptions, please review your plan document or other plan materials.


Retail 90

Small group members can purchase 90-day supplies of eligible prescription medications at participating retail pharmacies for mail-order prices through our Retail 90 benefit. Saving money on your prescriptions is now as easy as visiting your local pharmacy!

  • Enjoy the same low copays that mail-order programs offer.
  • You do not need to sign up. Just ask your pharmacist.
  • Simply drop off and pick up your prescriptions at a Retail 90 network pharmacy near you.

The Retail 90 Network includes more than 62,000 pharmacies. You can fill your eligible prescriptions at Publix, Walgreens, Rite-Aid, CVS, Target, BI-LO, Costco, Kroger, Kmart, Wal-Mart and Piggly Wiggly locations across the country. View a list of Retail 90 network pharmacies or use Caremark's interactive Pharmacy Directory to find a participating pharmacy near you.

Note: Your physician must specify a 90-day supply on the prescription. You cannot fill some medications, including controlled substances, under the Retail 90 program.

Vaccine Networks

Small group members can get vaccinated for the flu, pneumonia and other illnesses at CVS pharmacies across the country without a copayment. Just show the pharmacist your member ID card to get started!

Search the Covered Drug List to view eligible vaccines. (Hint: Type vaccines in the search bar for a comprehensive list.) Use Caremark's Pharmacy Directory or refer to the network lists to find a CVS pharmacy near you.

Pharmacy Directory

Use Caremark's Pharmacy Directory to find pharmacies near you. Members can also log into My Health Toolkit® to view the BlueEssentials pharmacy directory.

Drug Cost Tool

If you are not yet a BlueCross member, use the Caremark drug cost tool to see the average total cost of a particular drug and any limitations to getting a particular drug.

Members can find this information in My Health Toolkit. After you log in, navigate to the Benefits tab and then select Coverage and Cost under Prescription Drugs.


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