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PHARMACY PLANS
Tier I (generally consists of generic When you enroll in one of the Thompson Coburn HDP plans,
medication): If you use a generic you automatically receive coverage for prescription drugs at no
medication, you’ll typically pay a additional premium.
lower price. When you use a generic
medication, you get the same for
less—brand-name medications and The HDP plans require you to pay the cost of your prescriptions (with
their generic equivalents contain the the exception of preventive prescription medications) on the list until you
same active ingredients, and are often meet your deductible. Once you meet the deductible, you pay 20% of the
made by the same companies, but
the brand-name versions can be many cost of prescriptions until you reach the out-of-pocket maximum.
times more costly.
Tier II (generally consists of preferred Prescriptions can be purchased from in-network retail pharmacies or by
brand-name medications): If you use mail order. The amount of your prescription depends on the type of
a Tier II medication, you pay a higher
price than you would if you had used a medication your doctor prescribes, and where you choose to purchase
Tier I medication. A Tier II medication the prescription.
is a patented prescription that appears
on the plan’s preferred prescription list.
Medications on this list are preferred Preventive Prescription Medications—No Cost
by the plan for their combination of
safety, efectiveness and cost. Under Either HDP
Tier III (generally consists of non- Preventive prescription medications are covered at 100% (in-network only)
preferred brand-name medications): If under the Thompson Coburn HDP plans. Preventive prescription medications
you use a non-preferred medication, do not apply toward the deductible. This allows HDP participants to receive
you pay a higher price than Tier II. A preventive prescription medications without having to meet the deductible.
Tier III medication does not appear Visit TC Connect under the Human Resources page for the list of preventive
on the plan’s preferred prescription prescription medications.
medication list. This usually means
that a generic or preferred medication
can be equally efective but at a
lower cost. 2020 Pharmacy Plan Design Comparison Chart
Pharmacy Coverage*
HDP
Retail Purchase (30-day supply)
Tier I Covered 80% after deductible
Tier II Covered 80% after deductible
Tier III Covered 80% after deductible
Mail Order Purchase (90-day supply)
You pay the discounted price of a 3-month supply of a prescription
medication until you reach the combined medical/pharmacy deductible;
after the deductible is met, you pay 20% of the discounted price until
the out-of-pocket maximum is met
Preventive Prescription Medications
Covered at 100%
* In-network coverage only
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Tier I (generally consists of generic When you enroll in one of the Thompson Coburn HDP plans,
medication): If you use a generic you automatically receive coverage for prescription drugs at no
medication, you’ll typically pay a additional premium.
lower price. When you use a generic
medication, you get the same for
less—brand-name medications and The HDP plans require you to pay the cost of your prescriptions (with
their generic equivalents contain the the exception of preventive prescription medications) on the list until you
same active ingredients, and are often meet your deductible. Once you meet the deductible, you pay 20% of the
made by the same companies, but
the brand-name versions can be many cost of prescriptions until you reach the out-of-pocket maximum.
times more costly.
Tier II (generally consists of preferred Prescriptions can be purchased from in-network retail pharmacies or by
brand-name medications): If you use mail order. The amount of your prescription depends on the type of
a Tier II medication, you pay a higher
price than you would if you had used a medication your doctor prescribes, and where you choose to purchase
Tier I medication. A Tier II medication the prescription.
is a patented prescription that appears
on the plan’s preferred prescription list.
Medications on this list are preferred Preventive Prescription Medications—No Cost
by the plan for their combination of
safety, efectiveness and cost. Under Either HDP
Tier III (generally consists of non- Preventive prescription medications are covered at 100% (in-network only)
preferred brand-name medications): If under the Thompson Coburn HDP plans. Preventive prescription medications
you use a non-preferred medication, do not apply toward the deductible. This allows HDP participants to receive
you pay a higher price than Tier II. A preventive prescription medications without having to meet the deductible.
Tier III medication does not appear Visit TC Connect under the Human Resources page for the list of preventive
on the plan’s preferred prescription prescription medications.
medication list. This usually means
that a generic or preferred medication
can be equally efective but at a
lower cost. 2020 Pharmacy Plan Design Comparison Chart
Pharmacy Coverage*
HDP
Retail Purchase (30-day supply)
Tier I Covered 80% after deductible
Tier II Covered 80% after deductible
Tier III Covered 80% after deductible
Mail Order Purchase (90-day supply)
You pay the discounted price of a 3-month supply of a prescription
medication until you reach the combined medical/pharmacy deductible;
after the deductible is met, you pay 20% of the discounted price until
the out-of-pocket maximum is met
Preventive Prescription Medications
Covered at 100%
* In-network coverage only
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