It’s time for our annual deep dive into employer-sponsored coverage for prescription drugs.
Consistent with our previous analyses, coinsurance and deductibles remain common for specialty and fourth-tier drugs, leaving patients exposed to the undiscounted list price of their prescriptions.
However, there is also some good news: The use of copayments—instead of coinsurance—grew for people with both traditional and high-deductible plans. Perhaps nothing ever lasts forever.
Read on for my overview of cost sharing tier structure, copayment vs. coinsurance, and average copayments and coinsurance rates—along with our annual Drug Channels tiers/tears puns.
In a follow-up post, I’ll examine how today’s benefit designs continue to challenge—and confuse—patients.
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