Insurance + Billing

Insurance + Billing
Made Simple

We accept most major insurance plans and work hard to get you the lowest price. If you're paying cash, we offer competitive pricing that often beats the big chains.

View Accepted Plans Call to Verify
Coverage

Insurance We Accept

We work with virtually all major insurance providers. Here are some of the plans we process every day.

Medicare Part D

All Part D plans accepted

Blue Cross Blue Shield

All BCBS plans

Aetna

Commercial & managed care

Cigna

All Cigna plans

UnitedHealthcare

UHC commercial & Medicare

Humana

Humana plans accepted

Medicaid

Michigan Medicaid

Workers' Compensation

All WC carriers

Auto / No-Fault (PIP)

Personal injury protection

Most PBMs

Express Scripts, CVS Caremark, OptumRx

Don't see your plan? Call us at (734) 432-2015 — we likely accept it.
Transparent Pricing

Competitive Cash Pricing

No insurance? No problem. We offer straightforward cash pricing that often beats what you'd pay at a big-box pharmacy.

Big-Box Chain

Typical Chain Pharmacy

  • Inflated retail prices
  • Hidden dispensing fees
  • Impersonal, rushed service
  • No pricing transparency
Ray's Drugs

The Ray's Difference

  • Competitive, fair cash prices
  • No hidden fees or markups
  • Personalized pharmacist care
  • We'll tell you the price upfront
No hidden fees, no markup games. We believe in honest pricing. Call us to get a quote on any medication before you fill it.
Process

How Billing Works

Our streamlined billing process means fewer surprises and faster service. Here's what happens when you bring in a prescription.

1

We Verify Your Insurance at Drop-Off

Hand us your prescription and insurance card. We verify eligibility and benefits in real-time so you know what to expect before we fill.

2

We Process Your Claim in Real-Time

Our system submits directly to your insurer while you wait. No delays, no back-office guesswork. You'll know your copay immediately.

3

We Communicate Any Issues Immediately

If there's a prior authorization needed, a formulary issue, or anything else, we tell you right away and start working on a solution.

4

You Pay Only Your Copay

Pick up your medication and pay just your copay or coinsurance. No surprises, no hidden charges. It's that simple.

Prior Authorizations

We Handle the
Paperwork for You

Prior authorizations can be frustrating and time-consuming. Our team manages the entire PA process — from filing the initial request to following up with your prescriber and insurance company.

Learn About Specialty Services

We File the PA Request

We prepare and submit the authorization paperwork directly to your insurance.

We Coordinate with Your Doctor

We work directly with your prescriber's office to gather supporting documentation.

We Follow Up Until Resolved

We track every PA and follow up persistently until you have an answer.

We Find Alternatives if Denied

If a PA is denied, we work with your doctor to find a covered alternative.

Specialized Billing

Personal Injury & Workers' Comp

We specialize in billing for personal injury cases, auto accidents, and workers' compensation claims. Let us handle the paperwork.

Auto Accident / No-Fault

We bill the auto insurer or PIP carrier directly. You focus on recovering — we handle the billing complexity and follow-up.

Workers' Compensation

Injured on the job? We bill the workers' comp carrier directly and manage all claim documentation for your prescriptions.

Attorney Lien Billing

For personal injury cases with legal representation, we can bill the attorney directly on a lien basis, ensuring patients get their medications.

We bill the attorney or insurer directly — zero out-of-pocket for the patient. You should never have to worry about medication costs when you're recovering from an injury.
Questions

Frequently Asked Questions

Got questions about insurance, billing, or pricing? We've got answers.

We'll work with your prescriber to find a covered alternative or explore manufacturer coupons, patient assistance programs, and competitive cash pricing. Our goal is to make sure you can afford your medication. We also handle prior authorizations if your plan requires one.
Yes, we accept all Medicare Part D plans. We're enrolled with all major Part D plan sponsors and can process your prescriptions just like any other insurance. If you're in the coverage gap ("donut hole"), we can help you find the most affordable options.
When you bring in a workers' compensation prescription, we verify your claim with the carrier, process the prescription, and bill the workers' comp insurer directly. You pay nothing out-of-pocket. We handle all the documentation and follow-up so you can focus on your recovery.
Absolutely. We manage the entire prior authorization process in-house. We file the request, coordinate with your doctor's office for any supporting documentation, and follow up with your insurance company until we have a resolution. Learn more on our specialty services page.
Our cash prices are competitive with — and often lower than — the big chain pharmacies. We don't pad our prices with hidden fees. Call us at (734) 432-2015 for a quote on any medication. We're happy to give you the price upfront so there are no surprises.

Questions About Your Coverage?

Our team is ready to help you understand your benefits and get the best price on your medications.

Call (734) 432-2015