Annual Benefits Open Enrollment October 26 – November 16, 2026

Prescription Drugs

When you enroll in a Shake Shack medical plan, you will receive prescription drug benefits through OptumRx.

You can view the Prescription Drug List (PDL) at optumrx.com or in the OptumRx mobile app to see which prescriptions are covered under your plan.

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How the Prescription Drug Tiers Differ

The amount you pay for a prescription drug is based on the type of drug you fill and what tier it falls under. Here’s how the costs compare based on the tier of drug you fill:

Tier 1 – Generic

Lowest Cost. Always consider tier one medications if you and your doctor decide they are right for your treatment.

Tier 2 – Preferred

Mid-Range Cost. Consider tier two medications if you and your doctor decide there are no tier one options appropriate to treat your condition.

Ask your doctor if there are tier one alternatives or over-the-counter brands that are equivalent to tier two medications. They may be used to treat the same condition, but are less expensive.

Tier 3 – Non-Preferred

High Cost. If you are currently taking a medication in tier three, ask your doctor whether there are tier one or two alternatives appropriate for your condition.

Compounded medications containing one or more ingredients that are prepared on-site by a pharmacist are classified at the tier three level, provided that the individual ingredients used in compounding are covered under the pharmacy benefit.

Tier 4 – Specialty

Highest Cost. These are typically high-cost drugs used to treat complex or chronic conditions. If you are prescribed a specialty medication, ask your doctor whether there are tier one, two, or three alternatives that may be clinically appropriate and more cost-effective.

Contact OptumRx

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Prescription Drug Coverage

The table below outlines the amount that you will pay for prescription drugs depending on the medication tier and volume.

Retail (30-day supply)
Tier 1 — Lowest Cost
Tier 2 — Mid-Range Cost
Tier 3 — Highest Cost Option
Specialty Tier
Mail order (90-day supply)
Copays
HDHP with HSA
In-network
Retail (30-day supply)
30%*
30%*
30%*
30%*
Mail order (90-day supply)
30%*
HDHP with HSA
Out-of-network
Retail (30-day supply)
Not covered
Not covered
Not covered
Not covered
Mail order (90-day supply)
N/A
Basic Plan
In-network
Retail (30-day supply)
$10
$30
$50
$75
Mail order (90-day supply)
2.5x retail
Basic Plan
Out-of-network
Retail (30-day supply)
Not covered
Not covered
Not covered
Not covered
Mail order (90-day supply)
N/A
Plus Plan
In-network
Retail (30-day supply)
$10
$30
$50
$75
Mail order (90-day supply)
2.5x retail
Plus Plan
Out-of-network
Retail (30-day supply)
Not covered
Not covered
Not covered
Not covered
Mail order (90-day supply)
N/A
Premier Plan
In-network
Retail (30-day supply)
$10
$25
$40
$75
Mail order (90-day supply)
2.5x retail
Premier Plan
Out-of-network
Retail (30-day supply)
Not covered
Not covered
Not covered
Not covered
Mail order (90-day supply)
N/A

*After deductible