How Does Coordination of Benefits Work With Prescription Drugs?

Some of the limits and restrictions to prescription drug coverage will apply when UMP Classic or UMP CDHP pays secondary to another plan. See “How do I submit a prescription drug claim form?

NOTE: If UMP Classic or UMP CDHP is secondary to another plan other than Medicare, nonduplication of benefits applies. This means that UMP Classic or UMP CDHP may pay nothing after your primary plan pays.

ALERT! If UMP Classic is secondary, you must still pay your prescription drug deductible before UMP Classic covers Tier 2 and Tier 3 drugs.

Using Network Pharmacies When UMP Classic or UMP CDHP Is Your Secondary Coverage

If you have primary coverage through another plan that covers prescription drugs, show both plan cards to the pharmacy and make sure they know which plan is primary. It is important that the pharmacy bills the plans in the correct order, or claims may be denied or paid incorrectly.

Using a Mail-Order Pharmacy When UMP Classic or UMP CDHP Is Secondary

UMP Classic members: See the TIP about using the network mail-order pharmacy when Medicare is primary.

If your primary plan also uses PPS as the plan’s network mail-order pharmacy, PPS can process payments for both plans and charge only what’s left. Make sure that PPS has the information for both plans and knows which plan is primary.

However, if your primary plan uses a different mail-order pharmacy, you will have to use your primary plan’s mail order, then submit a paper claim for payment by UMP Classic or UMP CDHP; see "How do I submit a prescription drug claim form?"