I have BCBS and take Remicade. It shows up on my statements as "chemotherapy" and is covered at 80/20. It is not treated as a pharmaceutical because the plan I have - I pay for drugs out of pocket and then submit a claim and get reimbursed. Remicade is paid for straight out like any other doctors visit or hospital stay. I have the standard personal comp plan that covers everything at 80/20 until the out of pocket max and then everything is covered at 100% - prescript
ion drugs too.