Page 8 - Thompson Coburn 2022 Beneftits Summary
P. 8
Pharmacy Plans
When you enroll in one of the Thompson Coburn 2022 Pharmacy Plan Design
HDP plans, you automatically receive coverage for Comparison Chart
prescription drugs at no additional premium. Pharmacy Coverage*
HDP
The HDP plans require you to pay the cost of your Retail Purchase (30-day supply)
prescriptions (with the exception of preventive Tier I Covered 80% after deductible
prescription medications) on the list until you meet Tier II Covered 80% after deductible
your deductible. Once you meet the deductible, you Tier III Covered 80% after deductible
pay 20% of the cost of prescriptions until you reach Mail Order Purchase (90-day supply)
You pay the discounted price of a 3-month supply of a
the out-of-pocket maximum. prescription medication until you reach the combined medical/
pharmacy deductible; after the deductible is met, you pay
Prescriptions can be purchased from in-network 20% of the discounted price until the out-of-pocket maximum
is met
retail pharmacies or by mail order. The amount of Preventive Prescription Medications
your prescription depends on the type of medication Covered at 100%
your doctor prescribes, and where you choose to * In-network coverage only.
purchase the prescription.
Tier I (generally consists of generic medication): If you
use a generic medication, you’ll typically pay a lower price.
Preventive Prescription When you use a generic medication, you get the same for
less—brand-name medications and their generic equivalents
Medications—No Cost Under contain the same active ingredients, and are often made by
the same companies, but the brand-name versions can be
Either HDP many times more costly.
Preventive prescription medications are covered at 100% Tier II (generally consists of preferred brand-name
(in-network only) under the Thompson Coburn HDP plans. medications): If you use a Tier II medication, you pay
Preventive prescription medications do not apply toward the a higher price than you would if you had used a Tier I
deductible. This allows HDP participants to receive preventive medication. A Tier II medication is a patented prescription
prescription medications without having to meet the deductible. that appears on the plan’s preferred prescription list.
Visit TC Connect under the Human Resources page for the list of Medications on this list are preferred by the plan for their
preventive prescription medications. combination of safety, efectiveness and cost.
Tier III (generally consists of non-preferred brand-name
medications): If you use a non-preferred medication, you pay
a higher price than Tier II. A Tier III medication does not
appear on the plan’s preferred prescription medication list.
This usually means that a generic or preferred medication
can be equally efective but at a lower cost.
8
When you enroll in one of the Thompson Coburn 2022 Pharmacy Plan Design
HDP plans, you automatically receive coverage for Comparison Chart
prescription drugs at no additional premium. Pharmacy Coverage*
HDP
The HDP plans require you to pay the cost of your Retail Purchase (30-day supply)
prescriptions (with the exception of preventive Tier I Covered 80% after deductible
prescription medications) on the list until you meet Tier II Covered 80% after deductible
your deductible. Once you meet the deductible, you Tier III Covered 80% after deductible
pay 20% of the cost of prescriptions until you reach Mail Order Purchase (90-day supply)
You pay the discounted price of a 3-month supply of a
the out-of-pocket maximum. prescription medication until you reach the combined medical/
pharmacy deductible; after the deductible is met, you pay
Prescriptions can be purchased from in-network 20% of the discounted price until the out-of-pocket maximum
is met
retail pharmacies or by mail order. The amount of Preventive Prescription Medications
your prescription depends on the type of medication Covered at 100%
your doctor prescribes, and where you choose to * In-network coverage only.
purchase the prescription.
Tier I (generally consists of generic medication): If you
use a generic medication, you’ll typically pay a lower price.
Preventive Prescription When you use a generic medication, you get the same for
less—brand-name medications and their generic equivalents
Medications—No Cost Under contain the same active ingredients, and are often made by
the same companies, but the brand-name versions can be
Either HDP many times more costly.
Preventive prescription medications are covered at 100% Tier II (generally consists of preferred brand-name
(in-network only) under the Thompson Coburn HDP plans. medications): If you use a Tier II medication, you pay
Preventive prescription medications do not apply toward the a higher price than you would if you had used a Tier I
deductible. This allows HDP participants to receive preventive medication. A Tier II medication is a patented prescription
prescription medications without having to meet the deductible. that appears on the plan’s preferred prescription list.
Visit TC Connect under the Human Resources page for the list of Medications on this list are preferred by the plan for their
preventive prescription medications. combination of safety, efectiveness and cost.
Tier III (generally consists of non-preferred brand-name
medications): If you use a non-preferred medication, you pay
a higher price than Tier II. A Tier III medication does not
appear on the plan’s preferred prescription medication list.
This usually means that a generic or preferred medication
can be equally efective but at a lower cost.
8
