Three-Tier Drug Benefit
A Three-Tier Drug Plan Gives You Options
CDPHP is helping to keep premiums and copayments affordable with three-tier drug plans.
With a three-tier plan (for example, $10/$25/$40), you have a wider variety of options and control over your out-of-pocket expenses:
- Generic drugs are always in the first tier, requiring the lowest copayment. To save on out-of-pocket costs, ask your physician to prescribe generic drugs whenever possible.
- In the middle tier you’ll find brand-name drugs that CDPHP has classified as "formulary" drugs because they offer a clinical advantage at a reasonable cost.
- In the third tier are brand name drugs that CDPHP has designated as "non-formulary" because they offer no clinical and/or cost advantages compared to similar treatment options.
You can download the three-tier drug list, showing the tier status of the most commonly used pharmaceuticals. You may wish to print this list and take it with you to your next doctor visit to discuss your options with your treating physicians. Keep in mind that your exact out-of-pocket payment will depend on which rider you or your group select. Refer to your benefit information for copayment amounts.
Drug Coverage & Pricing
Visitors: Providers, employers, and prospective members are welcome to search basic details on the CDPHP drug formulary, including tier information. This feature is set up using $10/$25/$40 three-tier coverage for illustration purposes. You must click through all steps of pricing in order to view complete coverage information.
Members: Log onto Caremark.com using your member ID to get details specific to your benefit plan. For further information, go to Drug Coverage & Pricing.
For additional information, refer to FAQs.
