2027 Benefits Guide

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Prescription Drugs

When you enroll in a UNFI medical plan, you automatically receive prescription drug coverage.

Here’s a high-level overview of your prescription drug benefits.

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Find your local pharmacy.

Go to Judi Rx or Kaiser Permanente to find an in-network pharmacy close to you.

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In-Network Prescription Drug Benefits

Annual Deductible

  HDHP Basic HDHP w/ HSA EPO PPO
Deductible Combined with medical Combined with medical N/A N/A

What You Pay

Retail Pharmacy: Up to 30-day Supply

  HDHP Basic HDHP w/ HSA EPO PPO
Generic $0, after deductible 20%, after deductible $5 copay $5 copay
Brand Formulary $0, after deductible 20%, after deductible $30 copay $30 copay
Brand Non-Formulary $0, after deductible 20%, after deductible $45 copay $45 copay
Specialty* $0, after deductible 20%, after deductible $75 copay $75 copay

Retail Pharmacy: Up to 30-day Supply – Kaiser

  HMO CA HMO OR HMO WA HMO HI
Generic $10 copay $10 copay $10 copay $10 copay; $3 for maintenance drugs copay
Brand Formulary $30 copay1 $30 copay1 $30 copay $45 copay
Brand Non-Formulary $30 copay1, 2 $30 copay1, 2 Applicable generic or preferred brand cost shares apply1, 2 $45 copay
Specialty $30 copay1, 2 Applicable generic, preferred, non-preferred brand drug cost shares apply1, 2 Applicable preferred generic, preferred brand, or non-preferred generic/brand cost shares apply1, 2 $200 copay

1. For drugs approved in accordance with the Kaiser Permanente formulary process and when filled at a Kaiser Permanente pharmacy.

2. When prescribed by a Kaiser Permanente physician as medically necessary. See the Kaiser Permanente HMO benefit summary for your area for additional information on coverage. Benefit summaries are available online on UNFIBenefits.com.

Mail Order: Up to 90-day Supply

Limitations apply to long-term medications.

  HDHP Basic HDHP w/ HSA EPO PPO
Generic $0, after deductible 20%, after deductible $20 copay $10 copay
Brand Formulary $0, after deductible 20%, after deductible 20% $60 copay
Brand Non-Formulary $0, after deductible 20%, after deductible 20% $90 copay
Specialty* $0, after deductible 20%, after deductible 20% $150 copay

*EPO and PPO Medical Options: Specialty drugs (up to 30- or 90-day supply) are covered as listed above unless included on the SaveOnSP Specialty Drug list, which are subject to a set 30% coinsurance. The coinsurance will not count toward your deductible or out-of-pocket maximum.

Mail Order: Up to 90-day Supply – Kaiser

  HMO CA* HMO OR HMO WA HMO HI
Generic $20 copay $20 copay $20 copay $20 copay; $6 for maintenance drugs copay
Brand Formulary $60 copay1 $60 copay1 $60 copay1 $90 copay
Brand Non-Formulary $60 copay1, 2 $60 copay 1, 2 Applicable generic or preferred brand cost shares apply1, 2 $90 copay
Specialty N/A N/A N/A N/A

*100-day supply for Kaiser CA.

1. For drugs approved in accordance with the Kaiser Permanente formulary process and when filled at a Kaiser Permanente pharmacy.

2. When prescribed by a Kaiser Permanente physician as medically necessary. See the Kaiser Permanente HMO benefit summary for your area for additional information on coverage. Benefit summaries are available online on UNFIBenefits.com.

Save Money with Rx Savings Solutions

If you enroll in the HDHP Basic, HDHP w/ HSA, EPO or PPO (non-Kaiser plans), UNFI provides Rx Savings Solutions (RxSS) to help you manage your prescription drugs and save money! RxSS is a free and confidential online tool that helps you find lower-cost options for your medications.

How it works. Register online for an account. Then RxSS will look at your medications and search for lower-cost options – generic forms of brand name drugs, a better price at a different pharmacy or a less-expensive medication – to treat the same condition. You will automatically be notified whenever savings are available, via text or email.

Get started. Go to Rx Savings Solutions to register for your free account.