Which of these prescription drug coverage is the best fit for me?!
Question: Which of these prescription drug coverage is the best fit for me.?
I am trying to choose between two prescription plans right now. I am only a student so the main thing I'm trying to decide is if I need a plan that pays for any brand name drug, or if generics are adequate.? On plan #1 it is a lot more affordable for me, as long as I'm not ever *required* to take some really expensive brand name drug without a generic equivalent. It covers some brand names but only those deemed cost effective. #2 is more expensive all around but has 80% coverage on all brand name drugs.
#1
Generic drugs - You pay $10 per prescription copay.
Preferred brand drugs: You pay $60 per prescription copay
Other brand name drugs: NOT COVERED
Brand name drugs for which a generic equivalent is available: NOT COVERED
Specialty drugs: Covered at 50% with $5,000 out-of-pocket max (self administered etc.)
Or #2
Generic drugs: You pay 20% or $15 per prescription copay (whichever is greater)
Preferred brand drugs: You pay 20% or $30 per prescription copay (whichever
is greater)
Other brand name drugs: You pay 20% or $50 per prescription copay (whichever
is greater)
Brand name drugs for which a generic equivalent is available: Not CoveredHealth Question & Answer
#1
Generic drugs - You pay $10 per prescription copay.
Preferred brand drugs: You pay $60 per prescription copay
Other brand name drugs: NOT COVERED
Brand name drugs for which a generic equivalent is available: NOT COVERED
Specialty drugs: Covered at 50% with $5,000 out-of-pocket max (self administered etc.)
Or #2
Generic drugs: You pay 20% or $15 per prescription copay (whichever is greater)
Preferred brand drugs: You pay 20% or $30 per prescription copay (whichever
is greater)
Other brand name drugs: You pay 20% or $50 per prescription copay (whichever
is greater)
Brand name drugs for which a generic equivalent is available: Not CoveredHealth Question & Answer
Answers:
do the marh. plan number 1 is better. besides the company that gives the plan can always make changes to the drug formulary and usually most expensive brand names are usually removedHealth Question & Answer
they both suck. You could go to Walmart or Kroger's and get most generic drugs for 2-7 bucks. That being said #1 is the best because unless you contract Lupus or some ish good generics are available for any drugs you may need. Health Question & Answer