Prescription Drug Plan - Navitus
If you enroll in the City of Chattanooga medical plans, you automatically receive prescription drug coverage administered by Navitus. Navitus (formerly EpiphanyRx) has been the City's PBM partner since July 2022. Please ensure your pharmacist is filling prescription claims through Navitus and not BlueCross.
If you enroll in the PPO plan, your plan features copays for prescription drugs. You have three choices of where to purchase prescriptions: the WellAdvantage pharmacy, retail pharmacies or through home delivery. Your copays are listed in the table below.
*If you enroll in the HDHP plan with HSA, then all your pharmacy charges will apply towards your deductible. Then, you will pay 20% of the cost of the prescription (the plan pays 80%) until you meet your out-of-pocket maximum amount.
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Copay Assistance
Many medications have copay assistance programs where drug manufacturers pay a part of the medication cost to make it more affordable. If you do not currently use a copay assistance program, the Navitus Customer Care team can help you enroll to take advantage of these savings. If you already use copay assistance, your out-of-pocket cost will not change. With copay assistance, only the amount you have paid out-of-pocket will apply to your annual deductible and/or out-of-pocket maximum. Some copay assistance programs require re-enrollment annually.
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Specialty Medications
If you are taking a specialty medication, Lumicera will be your specialty pharmacy. A Navitus representative will reach out to you to talk about this transition. If you have questions before, please call member services or Lumicera directly.
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Mail Order Pharmacy - Costco
For maintenance medications, you can use our preferred mail order pharmacy, Costco Home Delivery. Costco offers convenient delivery options and makes refilling your medications easy with the ability to refill by phone call, text message, or online.
To get started, go to pharmacy.costco.com and click on “Get Started” to create your account. You do not have to be a Costco member to take advantage of savings offered by this service. If you need assistance, you can call Costco Monday - Friday from 8:00 am - 10:00 pm ET, or Saturday from 12:30 pm - 5:00 pm ET
Contact Information
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Navitus Member Services
1-855-847-1025 (Available 24/7)
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Lumicera Specialty Pharmacy
1-855-847-3553
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Costco Mail Order Pharmacy
1-800-607-6861
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​EpiphanyRx Pharmacy Reference Guide
EpiphanyRx Plan Reference Guide - PPO
EpiphanyRx Plan Reference Guide - HDHP
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OTC Medications​
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Because of the rising cost of prescription drugs and because so many frequently prescribed medications are available over-the-counter (OTC), your pharmacy benefit plan does not cover prescription drugs that have an OTC alternative. This may help you to buy the medications you need, when you need them without having to get a prescription from your physician. Contact Navitus member services for additional information.​
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Over-the-Counter Alternatives
While there are several classes of medications available OTC, some of the most popular are widely prescribed classes are:
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Allergy treatment drugs, such as non-sedating anti-histamines (known as NSAs)
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Stomach disorder drugs, such as HS blockers and proton pump inhibitors (known as H2s + PPIs)
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Talk with your doctor to see which OTC products might work for you. You can continue to take prescription products if you choose, but you will be responsible for paying the full cost of the drug.
If your doctor has a medical reason for you to take a PPI prescription medication rather than an OTC alternative, prior authorization may be required.