Free Prescription Drug Benefit

The Hidden Cost of Skipped Prescriptions

Here's a dirty secret of high-deductible health plans: employees skip their medications because they can't afford them.

That blood pressure medication? $50/month they don't have. The diabetes medication? $75/month that goes to groceries instead. And what happens when employees don't take their meds? Small problems become big problems. Big problems become expensive claims.

Optiv Health solves this with access to 1,000+ generic medications at $0 copay. No deductible. No cost-sharing. Just free prescriptions for the medications employees actually need.

What's Covered

Our formulary includes the most commonly prescribed generic medications across every major category:

Why Free Medications Matter

Studies show that when medications are free:

• Adherence improves 30-40% — employees actually take their prescriptions
• ER visits decrease 20% — chronic conditions stay under control
• Hospital admissions drop 15% — fewer complications from untreated conditions
• Overall claims costs decrease 10-20% — prevention beats treatment

The math is simple: a $10/month generic medication costs $120/year. A hospitalization from uncontrolled diabetes costs $20,000+. Free prescriptions are the cheapest intervention in healthcare.

How It Works

1. Employee gets a prescription from their doctor (or our telehealth physicians)
2. Prescription is filled at any participating pharmacy
3. If the medication is on our formulary, the employee pays $0
4. That's it — no paperwork, no reimbursement forms, no hassle

Combined With Telehealth

Free prescriptions become even more powerful when paired with our 24/7 telehealth benefit. Employee has a sinus infection at 10pm? They can see a doctor virtually, get a diagnosis, and have antibiotics ready at their pharmacy — all before morning. Total cost: $0.