Pharmacy Network & Over-the-Counter
Save money on your prescription costs by using our network of over 67,000 pharmacies.
Generations Advantage Part D Prescription Drug coverage includes access to a large network of pharmacies with preferred cost sharing, as well as standard cost options. Members also have access to the CVS Caremark mail-order pharmacy.
The Pharmacy Search Tool can help you find all qualifying pharmacies in your local area.
In addition to prescription drug coverage, all Generations Advantage plans also include our CVS Over-the-Counter Benefit, where members receive a quarterly amount to purchase from over 1,000 CVS-brand, over-the-counter products.
Table of Contents:
- Our Pharmacy Network & Search Tool
- Out-of-Network Coverage
- Pharmacies with Preferred Cost Sharing
- Mail-Order Pharmacy
- Over-the-Counter Benefit
Our Pharmacy Network & Search Tool
Through CVS Caremark, we currently have over 67,000 pharmacies in our nationwide network.
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Pharmacy Network | Overview
We contract "network pharmacies" to provide prescription drugs to our plan members.
You can go to any of our network pharmacies at any time.
There are two types of retail pharmacy:
- Pharmacies with "preferred cost sharing"
- Pharmacies with "standard cost sharing"
For some drugs, your copays will be lower when you get them from a pharmacy with "preferred cost sharing."
We will cover prescriptions filled at out-of-network pharmacies under certain circumstances. More details on this coverage can be found below.
Find a Local Pharmacy | Search Tool
Not sure if your local pharmacy is in our network?
Use the search tool to see if it is part of the Martin's Point network, or to see a list of qualifying pharmacies in your neighborhood.
New preferred independent pharmacies added for 2025:
For 2025, Community Pharmacies, Fairfield Pharmacy, Unity Pharmacy, Oakland Pharmacy, Nathan's Wellness Pharmacy & Apothecary, Machias Family Pharmacy,and Wilson's Drug Store in Maine have been added to our preferred pharmacy network for Generations Advantage Members!
NOTE: The Caremark Medicare Part D Network meets access requirements in all regions and in all states. In addition, Caremark has not received any deficiency notices from CMS regarding the Caremark Medicare Part D Network.
Filling Prescriptions Out-of-Network
Generally, we only cover drugs filled at an out-of-network pharmacy in limited, non-routine circumstances when a network pharmacy is not available. Below are some situations where we would cover prescriptions filled at an out-of-network pharmacy.
If you are trying to fill a covered prescription drug that is not regularly stocked at an eligible network retail or mail-order pharmacy (these drugs include "orphan drugs," which are pharmaceutical products that have been developed specifically to treat a rare medical condition, or other specialty pharmaceuticals).
If you are unable to get a covered drug in a timely manner within our service area because there are no network pharmacies within a reasonable driving distance that provide 24-hour service.
Please note that your plan cannot cover a drug purchased outside the United States and its territories.
NOTE: Before you fill your prescription in these situations, call Member Services to see if there is a network pharmacy in your area where you can fill your prescription. If you do go to an out-of-network pharmacy for the reasons listed above, you may have to pay the full cost (rather than paying just your copayment) when you fill your prescription.
Requesting Reimbursement
You can ask us to reimburse you for our share of the cost by submitting a Prescription Reimbursement Form.
However, even after we reimburse you for our share of the cost, you may pay more for a drug purchased at an out-of-network pharmacy because the out-of-network pharmacy's price is higher than what a network pharmacy would have charged.
You should submit a prescription reimbursement request to us if you:
- Fill a prescription at an out-of-network pharmacy (as any amount you pay, consistent with the situations listed above, will help you qualify for catastrophic coverage).
- Pay the full cost for a prescription because you don't have your plan membership card with you.
- Take self-administered medications that are not covered by Medicare Part B in an outpatient setting.
NOTE: Out-of-network prescriptions are limited to a 30-day supply.
Pharmacies with Preferred Cost-Sharing
Martin's Point Generations Advantage is happy to offer a network of pharmacies with preferred cost sharing—including Hannaford Pharmacies and CVS Pharmacies.
In the network of pharmacies with preferred cost sharing, Generations Advantage members receive medications in all tiers of the Generations Advantage formulary (or drug list) at lower copays than at pharmacies with standard cost sharing.
View your plan's Part D Pharmacy Deductibles & Cost-Sharing here.
Mail-Order Service | CVS Caremark
Need to order a prescription? To get more information about filling your prescriptions by mail, contact CVS Caremark for mail-order service by calling 1-888-296-6961.
The mail-order request form can be downloaded here:
Mail Order Prescription Step-by-Step Guide
- Download/Print the Form: Use the Mail Order Form provided by our trusted vendor, CVS Caremark.
- Fill It Out: Use capital letters with blue/black ink. For initial setup, fill both sides. Update as necessary for changes or new medications.
- New or Refill?
- New: Attach the prescription.
- Refill: For refills of your drugs, you have the option to sign up for an automatic refill program called ReadyFill at Mail®.
- Personal Details: Provide name, date of birth, email, health info. Update if changes occur.
- Payment: Choose from electronic check, card, or money order.
- Shipping: Default or specify a new address. Opt for faster delivery if needed.
- Preferences: Indicate any special instructions.
- Mail: Mail the form to the following address:
CVS Caremark
PO Box 94467
Palatine, IL 60094-4467
New to Mail-Order? | Here Are the Basics
When you order prescription drugs through CVS Caremark mail-order, you must order at least a one-day supply and no more than a 90-day supply.
Register for the CVS Caremark portal for faster service:
Generally, it takes 10-14 days to process your order and ship it to you, however, sometimes delays occur. You can order up to 3 weeks in advance.
Use Caremark.com to access the portal login for managing your prescriptions.
What if my order is delayed?
If your mail-order shipment is delayed and you need your prescription immediately, the mail-order service will work with you to ensure that you receive your prescription. The mail-order prescription service will either expedite your order or have it filled locally.
If your medication must be taken immediately, ask your physician to issue two prescriptions—one for a short supply to be filled at one of our in-network local pharmacies, and a second for an extended supply to be mailed to the mail-order prescription drug service.
Contact CVS Caremark for any questions or support.
Note: After the initial setup, you don't need to fill out the entire form for refills, unless there are changes in your details or new medications to add.
Automatic Refill Service
For medication refills, you have the option to sign up for an automatic refill program called ReadyFill at Mail®.
Under this program we will start to process your next refill automatically when our records show you should be close to running out of your drug.
The pharmacy will contact you prior to shipping each refill to make sure you are in need of more medication, and you can cancel scheduled refills if you have enough of your medication or if your medication has changed.
If you choose not to use our auto-refill program, please contact your pharmacy 15 days before you think the drugs you have on hand will run out to make sure your next order is shipped to you in time.
So the pharmacy can reach you to confirm your order before shipping, please make sure to let the pharmacy know the best ways to contact you.
For options regarding automatic refill preferences, please contact CVS Mail Order Customer Care at: 1-888-296-6961.
To opt out of our program that automatically prepares mail order refills, please contact CVS Customer Care at: 1-888-296-6961.
IMPORTANT NOTE: Please note that you must use the mail-order service operated by CVS Caremark. Prescription drugs that you get through any other mail-order service are not covered.
CVS Over-the-Counter Coverage
Members receive a quarterly amount to purchase from over 350 CVS-brand, over-the-counter products. Each quarter, you can make qualifying purchases in person at participating CVS retail locations, by phone, or online up to your plan's quarterly allowed amount.
Multiple transactions may be made throughout the quarter until the quarterly maximum amount is reached. Purchases may not exceed quarterly amounts. Unused benefit amounts do not carry over to the next quarter. All items must be for the member’s use only.
How often can I use my OTC benefit?
The "purchase year" begins in January. You can make multiple purchases throughout each quarter (three-month period) up to your quarterly maximum. Amounts do not roll over into the next quarter. Quarterly benefit periods are distributed as follows:
What is the quarterly amount I can use to make OTC purchases?
The quarterly amount for each Generations Advantage plan is as follows:
What items qualify for purchase?
Eligible items include CVS-brand items:
- Smoking Cessation: Nicotine replacement patches, Nicotine Gum
- Oral Health: Toothpaste, toothbrushes, denture cleaning tabs, floss and floss picks
- Pain Relief: Ibuprofen, acetaminophen, heating pad, pain relieving cream/gel, lidocaine cream and patches
- Allergy: Allergy relief tablets, nasal spray
- Cold Remedies: Cough drops and sore throat spray, daytime/nighttime cold medicine, thermometer, cold and flu relief, nasal spray
- Digestive Health: Heartburn and stomach relief, stool softener, Omeprazole tablets, dairy relief, daily fiber
- First Aid: Bandages, ointment, masks, gauze
- Incontinence: Bladder control products
- Vitamins and Supplements: Women’s and Men’s Multivitamins, Vitamin D3, Omega-3, Iron Supplement, Melatonin, Calcium
The OTC benefit covers more than this partial list. Explore all available items in the OTC Catalog:
OTC Catalog PDF | Download & Print
To explore all available items in PDF format, download the Over-the-Counter Catalog here:
CATALOG (PDF)
OTC Catalog Online | View & Search
To explore all available items online, view the Martin's Point OTC Benefit dashboard:
ONLINE CATALOG
Members can order CVS over-the-counter products online, by phone, or in person at participating local CVS Pharmacies.
The fastest and easiest way to order 24/7 is to visit: MartinsPoint.org/OrderOTC.
Using Your OTC Benefit for In-Store Purchases
If you prefer to purchase your OTC items in-store, please review the following information prior to making your purchase.
The Over-the-Counter benefit is not a reimbursement-style benefit. Purchases are made at participating CVS Pharmacy stores through OTC Health Solutions.
Important Note: All stand-alone CVS Pharmacy stores participate in the in-store-purchasing option. CVS pharmacies located within other stores (for example, in a Target store) DO NOT participate.
In-Store Purchasing Guide | Using your OTC benefit in-store is as easy as one two three.
To make in-store purchases using your OTC benefit, you will need to take the following steps:
Step One | Download the OTC Health Solutions App (optional).
The OTC Health Solutions mobile app is a convenient way to find your nearest CVS Pharmacy, including store hours and directions. It provides a quick way to see if an item is eligible for purchase through the benefit. It also makes the check-out process quick and easy. It is not required to use the app to make in-store purchases using your OTC Health Solutions benefit.
You can download the app via the app store on your cell phone or tablet:
Apple Store (iPhone users) | Google Store (Android users)
Step Two | Find eligible items.
| Using the App | NOT using the App |
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Open the OTC Health Solutions app on your mobile device and use it to scan the item’s barcode. The app will instantly tell you if it’s eligible. |
All eligible items should be marked with a blue shelf label like this: |
Step Three | Check out.
At the register, tell the cashier you are using the OTC Health Solutions program for your purchases.
Once the cashier processes your order, you will receive your receipt with your purchase details. Please review your receipt carefully in case the order must be canceled, which can only be possible while you are still at the store. Your order details are also visible in the OTC Health Solutions app.
Important Note: If you go over your allowed benefit quarterly amount, you will have the option to adjust your order or pay the difference out of pocket.
Have questions? We're here to help.
If you have questions about your plan, you can talk to a Member Service Representative by calling 1-866-544-7504.
Our representatives are available from 8am–8pm, seven days a week.