How does the optional pharmacy benefit work?
The optional pharmacy benefit provides coverage inside the U.S. and a higher benefit limit outside the U.S. HTH offers members the convenience of a direct billing service inside the U.S. so that the member is only responsible for co-payment at participating pharmacies. Most major pharmacies participate in this program. Outside the U.S., members pay the pharmacy directly and then submit a claim to HTH for reimbursement. The optional pharmacy benefit is not subject to the deductible or to the co-insurance on the plan.
