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Open Season 2025

High Option pharmacy benefits for our federal plans

With no deductible and low copays, the High Option prescription drug plan includes access to nearly 64,000 pharmacies in the Express Scripts network, along with home delivery in all 50 states.

Coverage for retail and mail-order prescriptions

High Option prescription coverage

Retail prescription drugs

Non-specialty 30-day supply

Mail-order prescription drugs

Non-specialty 90-day supply

Retail prescription drugs

Specialty 30-day supply

Mail-order prescription drugs

Specialty 90-day supply

In-network (PPO) you pay

$10 for Tier 1

25% for Tier 2, max $200 per Rx

45% for Tier 3, max $300 per Rx

$20 for Tier 1

25% for Tier 2, max $300 per Rx

45% for Tier 3, max $500 per Rx

25% for Tier 4, max $300 per Rx

25% for Tier 5, max $600 per Rx

45% for Tier 6, max $1,000 per Rx

25% for Tier 4, max $150 per Rx

25% for Tier 5, max $300 per Rx

45% for Tier 6, max $500 per Rx

The calendar year deductible does not apply to pharmacy benefits. However, money spent on pharmacy coinsurance counts toward the deductible.

Express Scripts by Evernorth

Express Scripts manages prescription drug benefits for the High Option.
Visit Express Scripts

Calculate the cost of your medications

Visit the Express Scripts prescription cost calculator.

Price a Drug

High Option drug formularies

Learn about Express Scripts preferred drugs and exclusions.
Preferred Formulary
Formulary Exclusions

Medicare PDP for the High Option

High Option retirees receive Medicare prescription drug coverage at no extra cost.

Medicare PDP for Federal Plans

Express Scripts Smart90®

Switch from a 30-day supply to a 90-day supply of daily medications with Smart90® and take advantage of mail-order home delivery with free shipping.

Save on diabetes medications

  • $0 copay for generic oral medication, formulary blood glucose test strips, and lancets (used to reduce blood sugar)
  • $25 copay for a 30-day supply of certain insulin and non-insulin drugs to treat diabetes
  • $75 copay for a 90-day supply of certain insulin and non-insulin drugs to treat diabetes

Download and access Health Plan resources

2026 High Option Preferred Formulary

Coming soon

2026 FEHB High Option Summary of Benefits and Coverage (SBC)

Download

2026 Federal Brochure

Coming soon

Federal Health Plan Online Resources

Explore
View all member resources