Page 6 - Gerald R Ford International Airport Authority 2022 Benefits Guide

Medical and pharmacy plan overview (continued)

Making the most of your plan
Getting the most out of your plan also depends on how ● Pharmacy coverage: Medications are placed in
well you understand it. Keep these important tips in mind categories based on drug cost, safety and effectiveness.
when you use your plan. These tiers also affect your coverage.
● In-network providers and pharmacies: You will always ● Generic – A drug that offers equivalent uses, doses,
pay less if you see a provider within the medical and strength, quality and performance as a brand-name
pharmacy network. drug, but is not trademarked.
● Preventive care: In-network preventive care is covered ● Brand preferred – A drug with a patent and trademark
at 100% (no cost to you). Preventive care is often name that is considered “preferred” because it is
received during an annual physical exam and includes appropriate to use for medical purposes and is usually
immunizations, lab tests, screenings and other services less expensive than other brand-name options.
intended to prevent illness or detect problems before ● Brand non-preferred – A drug with a patent and
you notice any symptoms. trademark name. This type of drug is “not preferred” and
● Preventive drugs: Many preventive drugs and those is usually more expensive than alternative generic and
used to treat chronic conditions like diabetes, high blood brand preferred drugs.
pressure, high cholesterol and asthma are on the ● Specialty – A drug that requires special handling,
Preventive Condition Drug List. These prescriptions administration or monitoring. Most can only be
are covered at 100% (no cost to you) when you use an filled by a specialty pharmacy and have additional
in-network pharmacy. required approvals.
● Mail Order Pharmacy: If you take a maintenance
medication on an ongoing basis for a condition like
high cholesterol or high blood pressure, you can use
the Mail Order Pharmacy to save on a 90-day supply.

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