You will receive a detailed plan comparison showing the 3 most economical plans offered based on your medications. This document is in Microsoft Word Format.
As you may or may not know, the plan with the highest (or lowest) premium is not necessarily the "best" plan. Your total plan costs are based on your premium, deductible, co-pay and/or co-insurance and your plan's formulary.
In our example below, the most economical plan happens to be the one with the lowest premium. Two of the medications are not covered on the one plan (and are therefore full price) and on the other plan they are non-preferred brands and therefore have a co-pay that is less than the retail cost of the medication. therefore the plan that uses a 25% coinsurance is less expensive (column 3).
** This drug is not on this plan's formulary. If you purchase this drug, you will pay the full price of the drug, and the amount you pay will not be counted towards your deductible or out of pocket cost limits. The plan may grant an exception and provide coverage under special circumstances, contact the plan for more information.
* This drug may be subject to prior authorization, step therapy or quantity limits.
