Prescription benefits

When you choose UMR, it becomes our job to help you get the most out of your pharmacy benefit. By guiding you to your lowest cost options, we offer flexibility and choice in helping determine the right medication for you. Before you choose a plan, it’s important for you to understand a few things about how prescription benefits work with us.

The OptumRx pharmacy network includes over 67,000 retail pharmacies, including all large national chains, many local, community pharmacies and the OptumRx Mail Service Pharmacy.

» Visit OptumRx 

Important: If you work for an employer who is in the pharmacy business, your network may be more limited than what is shown on this search.


The UMR Formulary includes brand and generic medication approved by the FDA. Each medication is rated according to its cost. There are three tiers in the rating: Tier 1 is the lowest cost medication; Tier 3 is the highest cost.


The Formulary helps you find lower-cost alternatives. When selecting a medication, you and your doctor may wish to consult the Formulary to see if there is a Tier 1 option (lowest cost) that can treat your condition.

 » View Formulary


Home delivery

Your preferred pharmacy for filling the medication you take on an ongoing basis is the OptumRx Mail Service Pharmacy. With home delivery, you may save with a month supply of your medication with free standard shipping. You'll also have access to:


  • A pharmacist on call: You can speak to a pharmacist who can answer your questions anytime, day or night.
  • Helpful reminders:  Set up text and email reminders to help you to remember to take or refill your medication.

Note: Prescription benefits may not be available from UMR through your employer. Please visit the Mercer Marketplace to learn more about the plans and benefits that your employer is making available to you