How does the formulary work with the three-tier copay?
The three-tier copay benefit works as follows: Tier 1 covers preferred generic products; Tier 2 covers preferred-brand products; Tier 3 covers non-preferred brand and generic products. Under the three-tier copay benefit, all of the products on the formulary are covered. You will have to pay a higher copay for non-preferred products. Decisions to determine whether a medication is preferred or non-preferred are made by an independent group of physicians and pharmacists. For more information regarding three-tier benefit design, click on Three-Tier Overview.
