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Prescription Drugs

Applies to Active employees

Both the Personal Care Account (PCA) and Health Savings Account (HSA) Plan Options provide prescription drug coverage through CVS/caremark. You are not required to go to a CVS pharmacy; others are in-network. However, there are additional services at CVS pharmacies, and using a CVS pharmacy to fill your long-term medications for a 90-day supply helps both USAA and retirees better manage costs.

USAA_STT_Infographic_v4-01_002.pngSee an infographic on the cost savings of generic drugs.

You can use the Check Your Drug Cost Tools to learn about how medications are covered under your plan. 





$7 copay (retail)

$14 copay (mail order)

$7 copay (retail)

$14 copay (mail order)


You pay 10% with minimum & maximum prescription:

Retail — $45 minimum/$90 maximum 

Mail order — $90 minimum/$180 maximum

You pay 10% after Deductible


You pay 30% with minimum & maximum prescription:

Retail $75 minimum/$150 maximum

Mail order $150 minimum/$300 maximum

You pay 30% after Deductible

1In the HSA Plan Option, you must meet your deductible before the $7 copay applies for non-preventive generics. For preventive medications, the $7 copay will always apply whether or not you have reached your deductible.

2Certain brand name preventive medications for diabetic and respiratory conditions will be available for $7.

Remember: Use generics to help save on prescription costs. Ask your doctor or pharmacy if generic alternatives exist. Consider using the CVS mail order pharmacy for cost savings and added convenience.




Questions about your benefits? Visit the Contact Us page for contact information on each vendor.