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PRESCRIPTION DRUG COVERAGE COMPARISON CHART













                            HealthSelect of Texas    Consumer Directed HealthSelect  HMOs
                                                     $2,100 per individual and
                            $50 for each covered individual.  $4,200 per family (in combined  $50 for each covered individual.
               Deductible
                            (January 1 - December 31)  medical and pharmacy expenses)  (September 1 - August 31)
                                                     using in-network pharmacies.
                            Up to a 30-day supply of                           Up to a 30-day supply of
               Copays:      Non-maintenance medications:  `                    Non-maintenance medications:
               In-network   Tier 1: $10, Tier 2: $35, Tier 3: $60              Tier 1: $10, Tier 2: $35, Tier 3: $60
                            Maintenance medications*:                          Maintenance medications*:
               Copays:      Copay plus 40% coinsurance for all  40% coinsurance after the annual  Does not apply.
               Out-of-network  three tiers.          out-of-network deductible is met.

               Extended Days  90-day supply:         20% coinsurance after the annual  Does not apply.
               Supply (EDS)**  Tier 1: $30, Tier 2: $105, Tier 3: $180  deductible is met.


               Mail order   Yes                      Yes                       Yes


               Brand-name   If a generic drug is available and you choose the brand-name dr ug, you will pay the Tier 1 copay or coinsurance,
               drug payment  as applicable, plus the difference in cost to the plan between the brand-name drug and the generic drug.
               *There is a retail maintenance fee - an additional charge - for filling a 30-day supply or less of maintenance medications, which are
               prescriptions you take regularly.
               **An Extended Days Supply (EDS) means a pharmacy can dispense up to a 90-day supply of maintenance prescription drugs at one time.











































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