How is EPIC used with other prescription drug coverage including Medicare Part D?
EPIC supplements other prescription coverage for greater benefits and savings. When purchasing prescription drugs, the enrollee shows both EPIC and other insurance cards at the pharmacy. Any drug costs that are not covered by the other prescription coverage, including deductibles, co-insurance/co-payments and coverage gap, can be submitted to EPIC. This results in the lowest possible co-payment, and is often less than if EPIC or the other coverage is used alone. For example, if an EPIC enrollee also has other prescription drug coverage that requires a $25 co-payment on a brand-name drug that costs $100, the $25 co-payment will be covered by EPIC and the enrollee would pay only a $7 EPIC co-payment. In this example, if the senior did not use EPIC, $25 would have been paid. If they used EPIC alone, they would have paid a $20 EPIC co-payment. By using both plans together, they paid a much lower co-payment!
