Pharmacy Technician helps woman reach medicine on top shelf

Are you ready to quit tobacco for good? Your DoD NAF Health Benefits Program can help. 

Learn more about the prescriptions and counseling sessions that are part of your benefits below.


The Four Tier Pharmacy Plan

As part of your Aetna medical plan, your prescription drugs are covered under Aetna’s Standard Plan Formulary. The formulary is a list of drugs that are covered by your plan. It also lists which pharmacy tier the drug falls into. Under this plan, you can fill short-term prescriptions at participating retail pharmacies (up to a 30-day supply) and long-term prescriptions through the mail-order service (up to a 90-day supply) or at a CVS pharmacy.

The Four Tier Pharmacy Plan1
Whether you visit a participating retail pharmacy or use the mail-order program, the amount you pay depends on the type of drug used to fill your prescription. Your pharmacy plan has four tiers of benefits.

  • Tier One: You pay the least for generic drugs — a flat fee, or copay, of $10 per prescription.
  • Tier Two: You pay a $35 copay for Tier Two (preferred) brand-name drugs on the Preferred Drug List.
  • Tier Three: You pay 35% of the negotiated price, up to a maximum of $125 at retail pharmacies and $250 using the mail-order service.
  • Tier Four: You pay 40% of the negotiated price. Aetna Specialty Pharmacy® fills prescriptions for specialty drugs.
How much you’ll pay for prescription drugs (for non High Deductible Health Plan members1)
  Any network pharmacy for up to a 30-day supply: Maintenance Choice: CVS Caremark Mail Service Pharmacy or CVS pharmacy for up to a 90-day supply***
Tier One - Generic Drugs $10 copay per prescription $20 copay per prescription
Tier Two - Preferred brand-name drugs $35 copay per prescription $70 copay per prescription
Tier Three – Non-preferred brand-name drugs* 35% of negotiated price**
The minimum you pay per prescription is $60; maximum is $125
35% of negotiated price**
The minimum you pay per prescription is $120; maximum is $250
Tier Four – Specialty Drugs 40% of negotiated price**
The minimum you pay per prescription is $60; maximum is $125
Fill limit for maintenance medications Coverage for 2 fills only No limit

*Your pharmacy will automatically fill your prescription with a generic drug, if one is available. Learn more about the 'Choose Generics' program.
**Participating pharmacies agree to charge discounted prices for prescriptions filled by Aetna members. Your share of Tier Three and Tier Four drug costs is a percentage of these discounted (or “negotiated”) prices.
***With Maintenance Choice, you can get a 90-day supply of maintenance medications by using either CVS Caremark Mail Service Pharmacy or a CVS pharmacy near you. After TWO fills at your local retail pharmacy, you will pay the full cost of the drug if you choose to continue to receive a 30-day supply.

Note: 30-day supply prescription fills are only available in the United States, Puerto Rico, Guam and the U.S. Virgin Islands.

1Members enrolled in a HDHP can see cost of prescription drugs on the Summary of Benefits documents on this page in the Resources for HDHP only section.


Programs and resources to help you save on prescription drugs

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