A contract that requires your health plan to pay some or all of your healthcare costs in exchange for a fee (this is called a “premium”). Your health insurance is divided into two parts:
- services — this includes things such as doctor appointments, hospital visits, and some medical supplies.
- prescription medicines — this includes your medicine and supplies related to your prescription. Your prescription plan from Express Scripts (also called a “pharmacy benefit”) is the part that covers your prescription medicines and supplies.