do i have to meet my insurance deductable for drug coverage?or does the drug coverage work differently?

Question

Im looking at a plan with a 3000.00 annual deductable but it say the drug copay is $15.00 for generic, while other plans will specifically say "drug coverage after 500 deductable", mine does not mention that.
only state that drugs have $15.00 copay. just wondering if the annual deductable applies to drugs?

Answer 1

your deductable is not for your meds.
it goes on your xrays, blood test, and hosp.your
meds are what copay says.
hope this helps.at least that is the way ins. works in Texas.

Answer 2

Read the literature carefully;if you are still unclear about your benefits contact your HR department or your benefits manager.Drugs are now administered by PBM's(pharmacy benefit managers)like Medco or Express Scipts so you may have to call their 800 number.Hope this helps