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Golden Rule Insurance Company - Prescription Benefits

Pharmacist and Pharmacy Benfits

UnitedHealthcare wants you to get the most out of your pharmacy benefit. You have benefit coverage for a wide variety of U.S. Food and Drug Administration (FDA)-approved prescription medications.

Find a Network Pharmacy
The pharmacy network includes large national chains; many local, community pharmacies; and, for CO members, the OptumRx Mail Service Pharmacy.

 Click to find a retail network pharmacy in the National Network


Drug Pricing

We want to help you manage your prescription medication costs and get the most out of your pharmacy benefit. Our programs and tools are designed to help you make informed decisions about your choice of prescription medications.

If your pharmacy benefit includes a tiered copay plan, please refer to the Prescription Drug List (PDL) to find the tier placement of your drug. Once you’ve identified the tier placement, use your documents to find the copay amount for that tier.

Finding Drug Prices

The Drug Pricing tool can help you compare prices for specific drugs at pharmacies available to you.

 Click here to view the Drug Pricing tool.

Using a Coupon?

You may use insurance in combination with manufacturer coupons when filling a prescription. Only the amount paid out of pocket will be credited toward your deductible and/or coinsurance out-of-pocket maximum. If the coupon pays for the entire cost of the drug, you will have nothing applied toward your deductible and/or coinsurance out-of-pocket maximum.

Prescription Drug List (PDL)

The UnitedHealthcare PDL includes brand and generic prescription medications approved by the FDA. Medications are placed on different "tiers" based on our evaluation of their overall value. Tier 1 is the lowest-cost tier option. The PDL is a tool to help you look for lower-cost alternatives. When selecting a medication, you and your doctor may wish to consult the PDL. You and your doctor make decisions about your health care, including the choice of prescription medications.

 Click here to view the Golden Rule Advantage 4-tier Prescription Drug List – Effective July 1, 2019

 Click here to view the Golden Rule Essential 4-tier Prescription Drug List – Effective July 1, 2019

If you are a shopper seeking Short Term coverage and are considering the Generic $20 Copay option (not available in all states) on the Short Term Medical Plus, Short Term Medical Plus Elite, Short Term Medical Copay, or Short Term Medical Copay Value:

 Click here to view the Golden Rule Generic Only Prescription Drug List

The formulary lookup tool provides the brand name, generic name, dosage form and tier status. It does not take into account any cost that your plan pays. It is not specific to your benefit and is not available for all medications. The information is for informational purposes only and is not meant to substitute for the advice provided by your own physician or other medical professional. Note: This is only a guide. Tier structure for your Rx coverage will depend on your exact plan and will be subject to all plan provisions.

 Click here to look up a medication on the Advantage PDL

Note: When a Prescription Drug Product is excluded from coverage, you and your representative may request an exception to gain access to the excluded Prescription Drug Product. To make a request, contact us in writing or call the toll-free number on your ID card. We will notify you of our determination within 72 hours.

Contact Us

Application Support:

Please call Customer Service at 1-800-657-8205.

Member Support:

Please call the Customer Service number listed on the back of your ID card (if you are currently a member).

If you are experiencing a medical emergency, call 911.


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