The optional pharmacy benefit provides coverage inside the U.S. and a higher benefit limit outside the U.S. GeoBlue offers members the convenience of a direct billing service inside the U.S. so that the member is only responsible for co-payment at participating pharmacies. Most major pharmacies participate in this program administered by Universal RX. Outside the U.S., members pay the pharmacy directly and then submit a claim to GeoBlue for reimbursement. The optional pharmacy benefit is not subject to the deductible or to the co-insurance on the plan. Within the United States, members pay $10 for generic drugs and $25 for brand-name medications. Members are also eligible to use GeoBlue's mail-order pharmacy service.