Prescription drug coverage.

All health plans share some similarities with prescription drug coverage, including:

• Your cost for coverage is included in the paycheck deduction amount for your chosen health plan.
• Prescription drug expenses count toward your out-of-pocket maximum, the most you’ll pay for health care in a calendar year.
• You can use pre-tax funds from your HSA and/or Health Care FSA to pay for prescription drug expenses.

Here are the differences in coverage:

Health Plan 1:

1. First, you pay the full cost until a pharmacy deductible ($100 individual l $200 family) is met. Prescription drugs do not count toward your medical deductible.
2. Once the deductible is met, you pay a portion of the cost.

Health Plan 3:

1. First, you pay the full cost until your health plan deductible is met ($1,750 individual l $3,500 family). Prescription drugs count toward your medical deductible.
2. Once the deductible is met, you pay a portion of the cost.

Health Plan 4 (and both Bind plans for MN only): There is no deductible applied to prescription drugs. You pay a portion of the cost immediately. For Health Plan 4, prescription drugs do not count toward your medical deductible.

How prescription drug coverage works.

Step 1. First, meet the deductible.

*This is a pharmacy deductible only and, therefore, is different from the plan’s medical deductible.

Step 2. Then coinsurance applies. What you pay depends on the type of drug, categorized by Tiers 1-3 below.