Medical and Prescription Drug

To help you and your family members navigate the health care system and get the most from your Lubrizol benefits, we provide access to Included Health.

Included Health's team of Care Coordinators are here to help with finding high-quality, in-network doctors; scheduling appointments; getting a remote second opinion; understanding your health care benefits and medical bills; and more!  Visit Included Health on the web and through the app or call for 24/7 help for all of your health care needs.

Lubrizol offers three different CDHP (consumer-driven health plan) options:  Core, Standard and Plus.  These plans offer the protection of a medical plan plus a tax-free HSA you can use to help pay for eligible health care expenses, now and in the future. After you meet the annual deductible, the plan pays a percentage of covered services received through either network or non-network providers—just like a PPO option.

Watch the video below to learn more about how each plan works:

All CDHP Plan Options Video

For more information about these plan options, including network providers, covered services and more, contact Included Health.

Health Savings Account (HSA)

A personal HSA is established for you under the Lubrizol CDHP Standard and Plus options.  You must choose whether to open an HSA account if you enroll in the Core plan. Optum Bank will administer your account.  You can use the HSA to pay for a wide range of medical, prescription drug, dental and vision out-of-pocket expenses during the year. IRS Publication 502 provides a detailed list of eligible health care expenses.  Any money left in the account at the end of the plan year carries over for future use. The account is yours to keep, even if you change health plans, change jobs or retire.

When you enroll in the Lubrizol CDHP on the Web, federal banking regulations require you to affirm your agreement to the opening of an account in your name.  You must accept this affirmation statement to be enrolled in the Lubrizol CDHP.


Prescription Drug Coverage

Members of all medical plans will receive their prescription coverage through CVS Caremark.  For information about participating pharmacies in CVS Caremark's networks, please contact Included Health.

Maintenance Drug List:  Maintenance drugs are prescriptions commonly used to treat conditions that are considered chronic or long-term. These conditions usually require regular, daily use of medicines. Examples of maintenance drugs are those used to treat high blood pressure, heart disease, asthma, and diabetes.  Please refer to the Advanced Control Formulary List, which may supersede the Maintenance Drug List for brand name drugs when no generic drug is available.  

Advanced Control Formulary ListThe advanced control formulary is a guide within select therapeutic categories for clients, plan members and health care providers. Generics should be considered the first line of prescribing. If there is no generic available, there may be more than one brand-name medicine to treat a condition. These preferred brand-name medicines are listed to help identify products that are clinically appropriate and cost-effective. Generics listed in therapeutic categories are for representational purposes only.

Generics Only Preventive Therapy Drug List:  Generics Only Preventive Therapy Drugs include generic preventive drugs, most of which are covered at 100%.  Please refer to the Advanced Control Formulary List, which may supersede the Generics Only Preventive Therapy Drug List for brand name drugs when no generic drug is available.

You may purchase prescription drugs three ways:
  1. Retail Pharmacy.  Fill your prescription at any pharmacy participating in CVS/Caremark’s retail network. This is your best option for short-term prescriptions that you need right away (for example, a 10-day supply of antibiotics for an ear infection). You may purchase prescriptions for 30 days or less (with one refill).
  2. Mail Order.  The mail order option allows you to purchase up to a 90-day supply of your medication (with up to three refills per year).
  3. Maintenance Choice Program.  You can purchase a 90-day maintenance prescription at a CVS retail pharmacy or a 90-day prescription through mail order. For maintenance drugs, the Mail Order Program or the Maintenance Choice Program is mandatory after your initial fill plus one refill at a retail pharmacy. Call CVS/Caremark at 1-844-742-5087 to see if your prescription is on the maintenance list.

Special considerations:

  • You may obtain one initial fill plus one refill at a retail pharmacy for medications that you will be taking for a short period of time.
  • If a generic drug is available and you choose a brand name instead, you will pay the generic coinsurance, plus the difference between the cost of the brand and the generic.
  • If you request a generic drug and no generic is available, you will pay the brand coinsurance.

For more information, contact CVS Caremark directly.  Their contact information can be found here:  Contacts