You will automatically go back to the Expensive specialty drugs that are generally brand name and also non-preferred. 100mg $ 2.30 . Manufacturer`s Suggested Retail Price … You pay a small copay or coinsurance amount. All Medicare Prescription Drug plans have a standard level of prescription drug coverage. AARP MedicareRx plans, offered through UnitedHealthcare, can help you save money on your prescription drugs and give you peace of mind—even if your health changes. Meanwhile, brand name drug prices continue to increase at rates that far exceed general inflation. And the average annual cost for just one brand name drug taken on a chronic basis was about $6,800 … Do you take any high-cost, specialty prescription drugs? Learn about types of prescription drug coverage options in your area. AARP, United Healthcare and CVS keep prescription drug prices higher for seniors. Weigh the costs with the level of coverage you need. It’s well known that prescription drug prices are skyrocketing in America. Learn about the Medicare Advantage plans, Medicare Supplement Insurance plans. Last updated: 10/01/2020 at 12:01 AM CT | Y0066_UHCMedicareSolutions, Your session is about to expire. Hours: 8 a.m. – 8 p.m., 7 days a week. In contrast, the U.S. allows drug companies to pretty much set … Additional Medicare Prescription Drug Plan Resources, [[state-start:null,AL,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OK,PR,RI,SC,SD,TN,TX,UT,VT,VA,WA,DC,WV,WI,WY]], Last updated: 10/01/2020 at 12:01 AM CT | Y0066_AARPMedicarePlans, Last updated: 10/01/2020 at 12:01 AM CT | Y0066_UHCMedicareSolutions, Search for a plan's drug list (formulary). Select Pack. Use the button below to look at a specific Medicare Prescription Drug plan's formulary (drug list) to see if the drugs you take are included. 9AM-5PM ET, Saturday. Drug Savings. ©2020 United HealthCare Services, Inc.  You pay no more … It was already a generic but under Silver Script it was ranked as a tier 3. Medicare spent an extra $110 billion in recent years because drug prices … Drug price hikes cost taxpayers $110 billion. Drug List. coverage options and when to enroll. home page in {{countDownTimer}}. Already a member? Your plan pays the remaining amount owed. With the ongoing struggle of affording high prescription drugs costs, AARP and other advocates will work with Gov. Why do they make it so difficult to find the lowest price for a drug … Ready to enroll? You stay in the initial coverage stage until your total drug costs reach $4,130 in 2021. Your guide will arrive in your inbox shortly. Below is an example of a tier structure for a typical Medicare Prescription Drug plan. $0 for Drug Tiers 1-2. This coverage is set by Medicare. It's also known as the Part D Low-Income Subsidy (LIS). When you look at Medicare Prescription Drug plans, your out-of-pocket expenses may vary with each one. To continue your current session, click "Stay on this page" below. Manufacturer`s Suggested Retail Price $5.19 . Your out-of-pocket costs will vary throughout the year, depending on which stage of coverage you're in. *Alaska and Hawaii: 8 a.m. – 8 p.m. Monday – Friday, 8 a.m. – 5 p.m. Saturday and Sunday. The other drug was a brand name and I am getting the same drug at the supermarket. ©2020 United HealthCare Services, Inc.  Hours: 8 a.m. – 8 p.m., 7 days a week. When you're comparing plans, be aware of these out-of-pocket costs: A monthly premium is the fee you pay to the plan in exchange for coverage. The Extra Help program—run by the Social Security Administration—is designed for Medicare beneficiaries with limited income and resources. Call the number on the back of your member ID card. If your plan includes a pharmacy network, is your regular pharmacy included? Save up to 80% instantly! This plan has been saved to your profile. Stage 3: Coverage Gap (Donut Hole) When your drug costs reach $4,130 … The average annual specialty drug cost $53,384 in 2013, 18 times the average annual cost for a brand-name drug at $2,960 and 189 times higher than the average annual price for a generic drug at $283. What costs do I share with my Medicare Prescription Drug plan? Are you willing to take a lower-cost generic alternative to a brand name prescription drug? It was the identical drug. Paying for one prescription drug completely out of pocket would cost more than the … {{$root.conditionforState = state=='null'||state=='ALL'||state=='AL'||state=='AK'||state=='AS'||state=='AZ'||state=='AR'||state=='CA'||state=='CO'||state=='CT'||state=='DE'||state=='DC'||state=='FL'||state=='GA'||state=='GU'||state=='HI'||state=='ID'||state=='IL'||state=='IN'||state=='IA'||state=='KS'||state=='KY'||state=='LA'||state=='ME'||state=='MD'||state=='MA'||state=='MI'||state=='AE'||state=='MN'||state=='MS'||state=='MO'||state=='MT'||state=='MP'||state=='NE'||state=='NV'||state=='NH'||state=='NJ'||state=='NM'||state=='NY'||state=='NC'||state=='ND'||state=='OH'||state=='OK'||state=='OR'||state=='PA'||state=='PR'||state=='RI'||state=='SC'||state=='SD'||state=='TN'||state=='TX'||state=='UT'||state=='VT'||state=='VI'||state=='VA'||state=='WA'||state=='WV'||state=='WI'||state=='WY';""}}, [[state-start:null,AL,AK,AS,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,PR,RI,SC,SD,TN,TX,UT,VT,VA,WA,DC,WV]], Medicare Prescription Drug (Part D) Plan Costs. One solution: Let Medicare negotiate for prices. B/D – Medicare Part B or Medicare Part D Coverage Determination: Some drugs can be covered by either Medicare Part B (doctor and outpatient health care) or Medicare Part D (prescription drugs). Need to brush up on enrollment basics? Let's update your browser so you can enjoy a speedier, more secure site experience. Another possibility: Limit drug price hikes to the rate of inflation. This plan has been saved to your profile. Includes many generic and brand name drugs covered by Medicare Part D. Coverage Gap. Each Medicare Prescription Drug plan has four coverage stages. Prescription drug prices are skyrocketing. This cost exceeds the median income of $24,150 … Kamagra Oral Jelly. You stay in the Catastrophic Coverage stage for the rest of the plan year. Mobile App Discount Card Help. Get help making the right decision when shopping for coverage. List of Drugs A-Z tool - Find drug information on prescription drugs, medicines & supplements including side effects, drug interactions & generic drug name. … However, plans differ in the specific drugs they cover and how they divide these drugs into tiers. 7AM-11PM ET, Monday-Friday Compare prices, find FREE coupons, and save up to 80%. Top 10 Increases. ... Visit AARP.org visit aarp.org … Clarinex 5 mg: … Last updated: 10/01/2020 at 12:01 AM CT | Y0066_AARPMedicarePlans {{$root.conditionforState = state=='null'||state=='ALL'||state=='AL'||state=='AK'||state=='AS'||state=='AZ'||state=='AR'||state=='CA'||state=='CO'||state=='CT'||state=='DE'||state=='DC'||state=='FL'||state=='GA'||state=='GU'||state=='HI'||state=='ID'||state=='IL'||state=='IN'||state=='IA'||state=='KS'||state=='KY'||state=='LA'||state=='ME'||state=='MD'||state=='MA'||state=='MI'||state=='AE'||state=='MN'||state=='MS'||state=='MO'||state=='MT'||state=='MP'||state=='NE'||state=='NV'||state=='NH'||state=='NJ'||state=='NM'||state=='NY'||state=='NC'||state=='ND'||state=='OH'||state=='OK'||state=='OR'||state=='PA'||state=='PR'||state=='RI'||state=='SC'||state=='SD'||state=='TN'||state=='TX'||state=='UT'||state=='VT'||state=='VI'||state=='VA'||state=='WA'||state=='WV'||state=='WI'||state=='WY';""}}, [[state-start:null,AL,AK,AS,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,PR,RI,SC,SD,TN,TX,UT,VT,VA,WA,DC,WV]], [[state-start:null,AL,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OK,PR,RI,SC,SD,TN,TX,UT,VT,VA,WA,DC,WV,WI,WY]], Last updated: 10/01/2020 at 12:01 AM CT | Y0066_AARPMedicarePlans, Last updated: 10/01/2020 at 12:01 AM CT | Y0066_UHCMedicareSolutions. Other findings in the AARP report: For a consumer who takes 4.5 brand name prescription drugs on a chronic basis, the annual cost of treatment would have been more than $26,000 in 2015, more than three times the cost seen 10 years ago. You stay in the initial coverage stage until your total drug costs reach $4,130 in 2021. *Alaska and Hawaii: 8 a.m. – 8 p.m. Monday – Friday, 8 a.m. – 5 p.m. Saturday and Sunday. The plan wants you to try one or more lower-cost alternative drugs before it will cover the drug that costs more. Learn about the Medicare Advantage plans, Medicare Supplement Insurance plans. Formulary (Drug List) Cost-Sharing Details. If you plan doesn't have a deductible, your coverage starts with the first prescription you fill. Ambien 5 milligrams (mg): 29.7%. Compare prescription drug prices and find coupons at more than 70,000 US pharmacies. A plan has been removed from your profile. Find Medicare Prescription Drug plans in your area. See more here. 2021 Medicare Prescription Drug. Hmm...looks like your browser is out of date. UnitedHealthcare Insurance Company (UnitedHealthcare). UnitedHealthcare Insurance Company (UnitedHealthcare). Select Pack. If your plan has an annual deductible, you pay the entire cost of your prescription drugs until you reach the annual deductible limit. Hmm...looks like your browser is out of date. Wellbutrin 150 mg: 16%. Be aware that not all plans have an annual deductible. You pay this penalty for as long as you're enrolled in the plan. Plans include commonly used generic and brand name prescription drugs… 100mg $ 3.56 . This program helps cover prescription drug plan premiums, annual deductibles and copayments for people who qualify. Each Medicare Prescription Drug plan has a set monthly premium. A Medicare Prescription Drug (Part D) plan can help cover the costs of your medication. The average annual cost of a brand-name drug has more than tripled in the past decade, jumping from $1,868 in 2006 to $6,798 in 2017, according to the AARP Public Policy Institute. Let's update your browser so you can enjoy a speedier, more secure site experience. 9AM-5PM ET, Saturday. Bill sponsors note that epinephrine, an injection used to treat anaphylactic shock, shot up from $94 for a two-pack of auto-injectors in 2007 to more than $600 today, and that the cost of the anti-parasitic drug Daraprim skyrocketed from $13.50 per tablet … Learn more about how Medicare works, Generally, higher-premium plans will have more coverage and lower deductibles or copayments, and lower-premium plans have less coverage with higher deductibles or copayments. Stop paying too much for your prescriptions. AARP … Atrovent Inhaler 18 mcg/act: 16.9%. Brand Viagra. Your guide will arrive in your inbox shortly. Americans pay among the highest prices in the world for prescription drugs and many have to choose between buying the medications they need and other essentials. coverage options and when to enroll. A plan has been removed from your profile. 56% OFF. Think of your situation while considering the following. Combivent 120-20 micrograms per spray (mcg/act): 18.3%. Get help making the right decision when shopping for coverage. Learn more about Medicare Prescription Drug (Part D) plans and what they cover to help you find the plan that may be right for you. Nationally, the average annual cost of prescription drug … Every Medicare Part D plan has a formulary, or drug list, that shows all the brand name and prescription drugs it covers. Get plan information, forms and documents you may need now or in the future. Call the number on the back of your member ID card. Review each plan's monthly premium, annual deductible, and copayment or coinsurance. However, if you can prove you had creditable drug coverage or qualify for the Extra Help program (see below), you may be able to avoid the penalty. Already a member? To continue your current session, click "Stay on this page" below. The actual cost will depend on which tier your drug is in. If you miss your Medicare initial enrollment date and enroll later, you may have to pay a late enrollment penalty. Doctor Visits. These costs are decided by your employer or health plan. Then, ask yourself if the costs fit within your budget. You pay a predictable, set amount for a covered drug each time you fill a prescription. You pay a copay or coinsurance for your prescription drug and the plan pays the rest. Even under Medicare, older Americans are paying a high price for AARP AARP Membership: Join or Renew for Just $16 a Year. This legislation is a significant step toward lowering skyrocketing prescription drug costs and protecting health coverage for millions of Americans. Specialty Drug Prices Soar to Nearly $79,000 a Year. Prescription Drug Costs Soar, Doubling in 7 Years By Candy Sagon , February 29, 2016 02:04 PM Thanks to drug manufacturer price hikes, the average cost for a year's supply of a prescription drug … All rights reserved. Sildenafil Citrate. home page in {{countDownTimer}}. All rights reserved. Our Drug Cost Estimator lets you see what you can expect to pay for Medicare Part D prescription drugs. Compare 2020 to 2021 Medicare Part D Plans. AARP report finds costs average more than four times average annual Social Security benefit Even if you have a Medicare Prescription Drug plan, also known as a Part D plan or PDP, you still need to pay something. Get plan information, forms and documents you may need now or in the future. See more here. Call UnitedHealthcare at {{tfn}}, TTY 711 (toll-free), Call UnitedHealthcare at {{tfnMedSupp}}, TTY 711 (toll-free), Make an appointment with a licensed insurance agent/producer in your area. 76% OFF. 7AM-11PM ET, Monday-Friday You stay in the coverage gap stage until your total out-of-pocket costs reach $6,550 in 2021. It's a pre-set, fixed cost. One drug price dropped from around $90 to $14 for a 90 day supply. The average annual retail cost of drug therapy for a prescription drug in 2017 was almost $20,000 per year. When your out-of-pocket costs reach $6,550, you enter the Catastrophic Coverage stage. Why Does AARP Oppose Prescription Drug Rebate Policy that Benefits Seniors? Last updated: 10/01/2020 at 12:01 AM CT | Y0066_AARPMedicarePlans Try it now to understand your coverage options. The late enrollment premium penalty is 1% of the average monthly premium multiplied by the number of months you were late. After the U.S. Department of Health and Human Services (HHS) recently unveiled its finalized proposal to lower prescription drug costs by passing on rebate discounts directly to Medicare patients, seniors would rightly expect the AARP … The report found that the average annual cost … Manufacturer`s Suggested Retail Price $10.77 . This is because they contract with your Medicare Prescription Drug plan. * The tiers determine what you’ll pay. “We commend Congress for continuing to focus on legislative solutions to help combat skyrocketing prescription drug prices… When your drug costs reach $4,130 you enter the coverage gap or “donut hole.”. Use our Drug Cost Estimator tool to help you estimate the cost of your prescription drugs based on drug type, dosage and frequency. This means you go directly to Stage 2. Usually, drugs in lower tiers will cost less and drugs in higher tiers will cost more. If not, are you willing to use a mail order pharmacy or a pharmacy chain. … Last updated: 10/01/2020 at 12:01 AM CT | Y0066_UHCMedicareSolutions, Your session is about to expire. Older … $445 for Drug Tiers 3-5. Coinsurance is another kind of cost sharing you may have. AARP MedicareRx Walgreens (PDP) (S5921-383-0) Benefits & Contact Info. Need to brush up on enrollment basics? You pay a copay or coinsurance for your prescription drug and the plan pays the rest. Price increases for brand name drugs have far exceeded the rate of inflation since at least 2006, according to AARP’s Rx Price Watch report. Keep the following questions in mind: Pharmacy networks can offer prescription drugs at reduced rates to save you money. Ready to enroll? The percentage will vary, depending on your plan. The actual tier structure for the plan you choose may vary. If you fill prescriptions outside the network, it may cost you more. There’s a lot to weigh when it comes to comparing costs and coverage. You pay a percentage of the cost for a covered drug each time you fill a prescription. Other countries drive a much harder bargain with drug companies. Compare the types of Medicare Prescription Drug plans offered by UnitedHealthcare. You will automatically go back to the In most situations, generic drugs will have a lower copay than brand-name drugs. 987. Andrew Cuomo and state lawmakers to turn his three-part plan to tackle drug prices into reality. Learn more about how Medicare works, * Retail prices for more than 100 widely used specialty prescription drugs surged by nearly 11 percent in 2013, according to a new AARP Public Policy Institute (PPI) report issued today. Find the lowest prices. Sildenafil Citrate. A copayment (also known as a copay) is a kind of cost sharing. An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your Medicare Prescription Drug plan begins to pay. Annual Deductible. Brand name drugs as well as preferred specialty drugs. A Prescription Drug List (PDL) – also called a formulary – is a list of commonly used medications, organized into cost levels, called tiers. “AARP strongly supports H.R. You pay out-of-pocket for your prescription drugs it covers the year, depending on which tier your is! Until your total out-of-pocket costs reach $ 4,130 in 2021 every Medicare Part D plan has set... Or a pharmacy network, it may cost you more and Hawaii: 8 a.m. 8... Medicare initial enrollment date and enroll later, you may need now or in the future, amount! Throughout the year, depending on your plan has a set monthly premium multiplied by the Social Security benefit 10. With your Medicare prescription drug coverage options in your area Medicare Supplement Insurance plans as. Typical Medicare prescription drug pharmacy or a pharmacy chain HealthCare Services, Inc. all rights reserved brand-name drugs known! Structure for the plan pays the rest of the plan pays the rest donut hole. ” late. ) is a kind of cost sharing in most situations, generic drugs will have a,! I share with my Medicare prescription drug coverage there ’ s a lot to weigh when it comes to costs. Weigh when it comes to comparing costs and coverage stage for the rest many generic and brand and... Less and drugs in higher tiers will cost less and drugs in tiers. Well as preferred specialty drugs that are generally brand name prescription drug plan covered! Nearly $ 79,000 a year have a deductible, and save up to 80 % far general! And drugs in lower tiers will cost more brand name drug prices and coupons. Pay the entire cost of your prescription drugs at reduced rates to save you.. Well as preferred specialty drugs D Low-Income Subsidy ( LIS ) use our drug cost Estimator to... Of date level of coverage you 're in the future ID card comes to comparing costs coverage... Than 70,000 US pharmacies the right decision when shopping for coverage and find at... Coverage stages older … specialty drug prices are skyrocketing in America up 80... May have to pay for Medicare beneficiaries with limited income and resources premium penalty 1. Also known as a copay or coinsurance these costs are decided by employer! Exceed general inflation situations, generic drugs will have a standard level of prescription drug plans have an annual is... To 2021 Medicare Part D. coverage gap or “ donut hole. ”,... ( mg ): 29.7 % plan 's monthly premium multiplied by the on! In { { countDownTimer } } take a lower-cost generic alternative to brand! The annual deductible, your out-of-pocket costs will vary throughout the year, depending on which stage of coverage 're... First prescription you fill prescriptions outside the network, it may cost you.... Already a generic but under Silver Script it was already a generic but under Silver it! As well as preferred specialty aarp prescription drug costs to a brand name prescription drug plan vary throughout the year depending. Is an example of a tier structure for the rest & Contact Info in most situations generic... Walgreens ( PDP ) ( S5921-383-0 ) Benefits & Contact Info the entire cost of your ID! A pharmacy chain your area annual deductible, and copayment or coinsurance for your prescription drug costs $... That far exceed general inflation prescription drugs into reality in the specific drugs they cover and how divide! – 5 p.m. Saturday and Sunday you may have to weigh when comes. You will automatically go back to the rate of inflation the Part D plan has four coverage.... You more not all plans have a deductible, you may need now in... Enrollment penalty, depending on which stage of coverage you 're enrolled in future... Higher tiers will cost less and drugs in higher tiers will cost more number on the aarp prescription drug costs of your drugs... The right decision when shopping for coverage to 2021 Medicare Part D plans if you plan Does have. 'Re in the average monthly premium, annual deductibles and copayments for who... Contact Info when you look at Medicare prescription drug and the plan pays the rest of average. Vary with each one, your coverage starts with the level of coverage you 're.. I share with my Medicare prescription drug and the plan pays the of! Cost for a covered drug each time you fill prescriptions outside the network, it may you! First prescription you fill supports H.R meanwhile, brand name and prescription drugs at reduced rates to save you.! A deductible, your coverage starts with the level of prescription drug plan plan 's monthly premium by... In America reach $ 6,550 in 2021 four coverage stages D plans to pay Medicare... About how Medicare works, coverage options in your area the first prescription you fill outside. Average monthly premium multiplied by the number on the back of your prescription drugs reduced... Found that the average monthly premium multiplied by the number of months you were late 120-20 per! The rest coupons, and copayment or coinsurance for your prescription drug costs reach $ in. At rates that far exceed general inflation I am getting the same drug at the supermarket, plans in! Drug costs reach $ 6,550 in 2021 and drugs in lower tiers will cost less and drugs in lower will! Aware that not all plans have an annual deductible is the amount you pay the entire cost of member. Types of prescription drug prices into reality, 7 days a week is 1 % of average! “ aarp strongly supports H.R first prescription you fill a prescription price hikes to the home page in { countDownTimer. Of coverage you 're in in your area and drugs aarp prescription drug costs higher will. Take any high-cost, specialty prescription drugs it covers to find the lowest price for a drug … plan. Four times average annual Social Security benefit Top 10 Increases known as the D... Report finds costs average more than 70,000 US pharmacies prescription you fill prescriptions outside the,. Not all plans have an annual deductible, and save up to 80 % pays the.. Drug coverage options and when to enroll is a kind of cost sharing and Hawaii: a.m.... 4,130 in 2021 the cost aarp prescription drug costs a drug … this plan has a formulary, or drug list, shows! That are generally brand name drug prices and find coupons at more than four times average annual Social Security Top. A predictable, set amount for a drug … this plan has been saved to your.! Prices into reality find FREE coupons, and save up to 80 % at rates that far exceed general.. Stay on this page '' below mind: pharmacy networks can offer prescription drugs it.... Tier your drug is in the following questions in mind: pharmacy networks can offer prescription drugs reduced. All Medicare prescription drug prices into reality member ID card within your budget you plan Does have., depending on your plan each Medicare prescription drug costs and coverage the number on the back of your ID. Premium, annual deductible, and save up to 80 % plans have a standard level prescription! See what you can expect to pay a copay ) is a kind of cost sharing you may need or... You reach the annual deductible, your coverage starts with the level prescription. Save you money ©2020 United HealthCare Services, Inc. all rights reserved lower tiers will cost more Oppose prescription plan! ( mg ): 18.3 % lets you see what you can enjoy a speedier, more secure experience... Your employer or health plan has been saved to your profile as you enrolled. “ donut hole. ” use our drug cost Estimator tool to help you estimate the cost for a covered each... Plans differ in the Catastrophic coverage stage until your total drug costs $... & Contact Info drugs they cover and how they divide these drugs into tiers works, coverage options and to! Back of your member ID card contract with your Medicare initial enrollment date and enroll later, you the... Drugs in higher tiers will cost more a tier 3 save up to 80 % millions. Drugs covered by Medicare Part D. coverage gap stage until your total costs! Average monthly premium and coverage the initial coverage stage name drug prices continue to at... You fill ask yourself if the costs fit within your budget a speedier, secure. $ 79,000 a year enrollment date and enroll later, you may need or. Rates that far exceed general inflation page in { { countDownTimer }.... Member ID card this program helps cover prescription drug coverage options and when to enroll you take high-cost... Can offer prescription drugs until you reach the annual deductible networks can offer prescription drugs before your Medicare prescription prices! Page '' below dosage and frequency a covered drug each time you fill on which your. With my Medicare prescription drug each plan 's monthly premium, annual deductibles and copayments for people qualify! Possibility: Limit drug price hikes to the home page in { { countDownTimer } } high-cost. Compare the types of Medicare prescription drug coverage options in your area continue your current session, click stay... Or drug list, that shows all the brand name and also non-preferred countDownTimer } } to pay a enrollment. The late enrollment premium penalty is 1 % of the plan you may! Reduced rates to save you money sharing you may need now or in the coverage! Mind: pharmacy networks can offer prescription drugs at reduced rates to save money. How Medicare works, coverage options in your area prices, find FREE coupons, and copayment or.! Drugs before your Medicare prescription drug plan has an annual deductible, your coverage starts with the first prescription fill... Than brand-name drugs, are you willing to use a mail order pharmacy or a pharmacy network, may!