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There is no deductible for Tier 1 (generic) drugs. You must pay a prescription drug deductible to the pharmacy for purchases of Tier 2 and Tier 3 (brand-name) prescription drugs before the plan covers these prescriptions. This deductible is $100 per person (a maximum of $300 for a family of three or more people covered under the same account). You pay the deductible plus any applicable coinsurance or copay, up to the cost of the drug. The deductible applies regardless of where you purchase your prescription. Once you meet the deductible, the plan pays benefits for the rest of the calendar year. NOTE: What you pay (copays and coinsurance) for Tier 1 drugs does not count toward your prescription drug deductible. The prescription drug and medical deductibles are separate: Prescription drug purchases do not count toward your medical deductible. Medical services do not count toward your prescription drug deductible.
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