Prescription Drug Program

Enjoy savings, convenience and value-added services when filling your prescriptions 

Grainger’s Silver, Gold and Platinum medical plans include prescription drug benefits administered by Express Scripts. Whether you prefer convenient home delivery or stopping by the pharmacy, Grainger makes it simple and safe to get the medications you need.

How It Works

  • Choose from thousands of retail pharmacies: You get plan coverage and discounts on prescriptions filled at pharmacies in the Express Scripts network, which includes national retail pharmacies such as CVS and Walgreens along with local independent pharmacies. At out-of-network pharmacies, benefits are lower and you’ll pay more.
  • Extra savings on long-term medications: For most long-term medications – sometimes called maintenance medications – you can have a 90-day supply delivered to your home for the cost of a 60-day supply. Or, get the same savings at any CVS pharmacy. It’s part of the Smart90 program.

Prescription Drug Snapshot

Who is eligible?

Team members and dependents enrolled in the Grainger Silver, Gold and Platinum plans. To receive benefits, be sure to present your Express Scripts ID card when you fill a prescription.

Your costs

Out-of-pocket costs for prescription drugs may include coinsurance and/or a flat-dollar copays. These costs vary based on:

  • Medical plan
  • Drug tier (generic, brand formulary or brand non-formulary)
  • Pharmacy (in-network or out-of-network)
  • Whether you opt in to Smart90 for long-term medications

For details, see the Medical Plan Comparison Chart

Annual deductible

  • With the Silver and Gold medical plans, most prescription drugs are subject to your medical plan deductible. The exception is generic preventive maintenance medications, which are covered with no deductible at in-network pharmacies.
  • With the Platinum medical plan, there is no deductible for prescription drugs.

Annual out-of-pocket maximum

  • With the Silver and Gold medical plans, prescription drug costs apply to your medical annual out-of-pocket maximum.
  • With the Platinum medical plan, your prescription out-of-pocket costs are limited to $2,250 per person, up to a maximum of $9,000 per family.

What to do

  • Register at to locate in-network pharmacies, get started with safe and convenient home delivery (standard shipping included), price medications, order refills, review claims and balances, even connect with a pharmacist 24/7.
  • Download the free Express Scripts mobile app from Google Play™ or the Apple App Store℠.

Make the Most of Your Prescription Drug Benefits

Save money

  • Choose generics: The plan pays highest benefits for generic medications, which are FDA-approved to have the same active ingredients, safety and effectiveness as the brand-name versions – yet generics typically cost less.
  • Brand formulary: For brand-name drugs that have no generic equivalent, the plan pays higher benefits for drugs on the Express Scripts formulary. The formulary, which spans 100+ drug classes, includes preferred drugs known to be effective and safe for specific conditions.
  • Earn up to $50 CVS ExtraBucks®Rewards1

Stay healthy

  • SilverCloud wellbeing programs: SilverCloud is a free, online resource provided through Express Scripts. It offers a variety of programs to help you manage stress, anxiety, sleep problems and depression. To learn more and sign up, visit SilverCloud. SilverCloud is one of several behavioral health resources available to you and your dependents.
  • Flu shots: You can get a free annual flu shot with your Express Scripts prescription drug card at Walgreens, CVS or another in-network pharmacy.

1 To earn Pharmacy & Health ExtraBucks® Rewards, you must enroll in both the ExtraCare® and ExtraCare Pharmacy & Health Rewards® program at CVS. See program rules for details at or ask a CVS pharmacist for a copy. Rewards cannot be earned on any prescriptions purchased in AR, NJ, or NY; any prescriptions transferred to a CVS Pharmacy® in AL, MS, or OR; any controlled substance prescriptions purchased in HI or LA; or where otherwise prohibited by law. CVS reserves the right to modify or terminate the ExtraCare Pharmacy & Health Rewards program.

Note: Benefits may differ for team members outside the continental U.S.  


When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers


Profit Savings Plan

Retirement Benefit Questions (65+/Medicare-eligible [including disabled early Medicare eligible] and pre-65 eligible retirees/dependents)

Medicare Plan Options Questions (65+ or early Medicare retirees with or without Grainger Retiree Health)


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2022: Your Cost for Coverage


When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers


Profit Savings Plan

Profit Sharing Plan Historical Plan Information Pre-2021

Dear Team Member,

The last 18 months have pulled us in all sorts of directions and presented several new challenges. Many of you have had to adapt to an ever-changing lifestyle that includes homeschooling kids, working overtime, taking care of loved ones, and worrying about finances. At Grainger, we recognize the toll these changes take on your personal wellbeing. And while I’m proud to say you’ve continued to provide exceptional customer service despite these challenges, it’s just as important to put the same attention on yourself.

We want you to be your best, not only at work but at home. That’s why we’ve made some enhancements to our benefits programs to better support your emotional, financial, physical, and social wellbeing. These new programs will provide access to short-term cash, one-on-one financial coaching, or stress management support. Over the last year, we built a strong foundation of wellbeing resources to ensure you have more choice and flexibility with your benefits.

This Annual Enrollment Decision Guide will help you navigate the robust benefits that Grainger offers and support you in making your elections for 2022. Annual Enrollment will run from October 11 to 29, 2021. Now is the time for you to take action for you and your family’s wellbeing. We have more plans underway to continue to enhance our wellbeing offerings and we’re excited to share these with you soon.
As always, thank you for all you continue to do for each other, our organization, and our customers.

Stay well,
Kathleen Carroll
SVP & Chief Human Resources Officer

LinkedIn: Kathleen Carroll
Instagram: @KathleenSCarroll
Firstup: @kathleen.carroll8