The Diabetes Navigator

A guide to pharmacy benefit coverage for Mayo Medical Plan members living with diabetes

PHARMACY BENEFIT RESOURCES

You can learn about your pharmacy benefits by reviewing the Prescription Drug Coverage Guide. Legal plan information is available in the Mayo Clinic Health and Welfare Benefits Plan Document and Summary Plan Description
 
If you are an employee of Mayo Clinic, you can find your plan documents and information about your benefits by accessing HR Connect and searching for the word “prescription.”

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START WITH THE BASICS

Selecting a pharmacy

Pharmacy benefits are administered for the Mayo Medical Plan by AllumaTM. Alluma works with a vendor called Express Scripts® to provide certain services, such as the national pharmacy network. The amount you pay will depend on the pharmacy you use to fill your prescription and the formulary status of the medication.

Formulary: Your plan follows the Alluma Care Formulary, which is developed by disease experts at Mayo Clinic.

Mail Service: Mayo Clinic Pharmacy Mail Service generally gives you the highest benefit level and is appropriate for most diabetes medications, test strips, lancets, CGM sensors and certain devices. For example, if you elected the Premier or Select plan you will pay up to 25% for Tier 2 (preferred brand) medications. See the Prescription Drug Coverage Guide for more cost-sharing details.

Mayo Clinic outpatient pharmacies: Mayo Clinic retail pharmacy locations give you a higher benefit level than other network pharmacies.

Alluma pharmacy network: You have access to up to 64,000 pharmacies across the country.

Locate a pharmacy: Use the online pharmacy search tool, available when you sign into your account at Medica.com/signin or in the Express Scripts mobile app.

 

How to save money with Mayo Clinic Pharmacy Mail Service

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No need to swing by the pharmacy to pick up your prescription refills. Instead, sign up for Mayo Clinic Pharmacy Mail Service and your prescriptions will be delivered to your mailbox.

Getting started: You can register for service as a new patient using a form on the website. If you prefer to call customer service, the phone number is (800) 445-6326.

Refills: Once you have established service, you can order refills or update your credit card online, using the Mayo Clinic Portal.

New prescriptions: Your healthcare provider can send prescriptions electronically to Mayo Clinic Pharmacy – Mail Order. This is how the pharmacy is identified in the electronic medical record for prescribers. Pharmacy staff can assist with prescription transfers from another pharmacy.

Quantity allowed: Most prescriptions can be filled at Mayo Clinic Pharmacy for up to a 90-day supply. You can order a refill after 75% of your prescription has been used up.

Plan ahead: Delivery can take up to 7-10 days if the pharmacy needs to call your provider for refills.

Payment: Mayo Clinic Pharmacy Mail Service accepts major credit cards including Visa, MasterCard, Discover or American Express.

Careful packaging: Your prescription will arrive in unmarked packaging. Most packages are sent via U.S. Postal Service. When needed, overnight delivery or temperature-controlled packaging are used to maintain medication quality. There are no shipping charges for regular delivery.

Savings programs: Check manufacturer websites for savings on brand name medications like insulin, Ozempic®, NovoLog®, or Baqsimi®. Provide the information you receive from the savings program to the pharmacy before your prescription is filled. Savings programs may significantly reduce the amount that you pay.

 

What to know when filling prescriptions at an Alluma network pharmacy

iStock-1325914333 Pharmacist Man 420x280Quantity allowed: When filling a prescription outside Mayo Clinic, your quantity will be limited to a 34-day supply. You can order a refill after 75% of your prescription has been used up.

Coinsurance: You will pay 40% or more of the total cost if you fill most brand name diabetes medications and supplies at an Alluma network pharmacy, depending on the plan you select. This is significantly higher than your cost at a Mayo Clinic Pharmacy.

TREATMENT OF TYPE 1 OR TYPE 2 DIABETES

Insulin

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Higher cost at an Alluma network pharmacy: You will pay 40% or more of the total cost to fill most brand name diabetes medications and supplies at an Alluma network pharmacy, depending on the plan you select. This is significantly higher than your cost at a Mayo Clinic Pharmacy. You are allowed up to a 34-day supply at a network pharmacy.

Plan ahead: If you are not able to use the preferred insulins your doctor will need to request prior authorization. Please allow time for your request to be submitted and approved.

 

Other medications used to treat Type 2 diabetes

Mayo Clinic Pharmacies will provide the lowest coinsurance or copay and you may fill up to a 90-day supply of any brand or generic medication.

Generic medications: Medications such as metformin, glipizide, glimepiride, or pioglitazone, will be the least expensive. Metformin is often recommended as the first medication to treat Type 2 diabetes or pre-diabetes.

Prior Authorization: Some diabetes medications require prior authorization (PA) for coverage by your plan. Your provider will need to submit a PA request to Alluma. Alluma will generally provide a response within 1-2 business days. If approved, the prescription may be filled by your pharmacy.

Savings programs: Check manufacturer websites for savings on brand name medications for medications like insulin, Ozempic®, Mounjaro®, or Baqsimi®. Provide the information you receive from the savings program to the pharmacy before your prescription is filled. Savings programs may significantly reduce the amount that you pay.

Other benefits of treatment: Some diabetes medications can also be helpful in treating or preventing other conditions, including heart failure, heart disease, and kidney failure. Be sure to let your healthcare provider know about your other medical conditions to help determine which diabetes medicine is right for you.

MANAGING YOUR DIABETES

Blood Glucose Meters

iStock-1445321341-Glucose.Meter 420x280Save money: You may fill up to a 90-day supply on most blood sugar meters and testing supplies at a Mayo Clinic Pharmacy, or up to a 34-day supply at an Alluma network pharmacy. Mayo Clinic Pharmacies will provide the lowest coinsurance or copay amount.

Preferred glucometers: Accu-Chek® and Contour® brand glucometers and test strips are covered by the Mayo Medical Plan. The least expensive option will usually be the Accu-Chek Guide Me® glucose meter, when filled at the Mayo Clinic Pharmacy Mail Service.

 

Continuous Glucose Monitoring Systems (CGMs)

iStock-1175717080_Diabetes.Dex 420x280If you use insulin to manage your diabetes you may qualify for coverage of a continuous glucose monitoring (CGM) device, such as Dexcom® or FreeStyle Libre®.

Prior Authorization: Coverage of CGM requires prior authorization, so plan ahead if you are already on a CGM device. Your provider will need to submit a PA request to Alluma.

Pharmacy benefit coverage: FreeStyle Libre and Dexcom must be filled under the pharmacy benefit. FreeStyle Libre has a lower cost to you. The least expensive option will be to fill your CGM using Mayo Pharmacy Mail Service.

Medical benefit coverage: Medtronic GuardianTM is covered under the medical benefit. Please contact Medica® at the phone number on the back of your member ID card for questions about coverage. 

 

Monitoring Blood or Urine Ketones

If you have Type 1 diabetes your healthcare provider may ask you to check for ketones in your blood or urine when your blood sugar is high, or if you are sick. High level of ketones can be a symptom of diabetic ketoacidosis (DKA), a serious condition. Ketone strips are covered under your pharmacy benefit with a prescription.

 

Glucagon for severe low blood sugar

Glucagon is used to treat severe hypoglycemia (low blood sugar) when symptoms are too severe to take carbohydrates by mouth. This can be life-saving in emergency situations. Glucagon can be administered as a nasal spray or as an injection. Glucagon products, such as Baqsimi® and Gvoke®, are covered under your pharmacy benefit with a prescription. Check manufacturer websites for savings programs.

 

Insulin Pumps

If you have Type 1 or Type 2 diabetes and require insulin, your doctor may prescribe an insulin pump to help manage your blood glucose.

Pharmacy benefit coverage: The OmniPod® system is covered under your pharmacy benefit with a prescription. Mayo Clinic Pharmacies will provide the lowest coinsurance or copay amount. You may fill up to a 90-day supply.

Medical benefit coverage: Tandem and Medtronic insulin pumps are covered under the plan’s durable medical equipment (DME) benefit. These pumps and supplies are not filled at the pharmacy but can be ordered by your doctor from a DME provider. Please contact Medica® at the phone number on the back of your member ID card for questions about coverage.

 

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We can help.

If you have any questions, you can call Alluma customer service 24 hours a day, 7 days a week at 877-239-7159. If you need expert advice from a clinical pharmacist, you can contact us here.