Copays or Coinsurance

2021 Prescription Coverage

All drugs on HealthTeam Advantage’s drug list are in one of five cost-sharing tiers for the PPO plans and six cost-sharing tiers for the HMO CSNP plan. Below is a summary of copays depending on drug tier and plan:

Definition of the five drug tiers:

  • Tier 1 – Preferred Generics: Generic drugs that are available at the lowest cost share
  • Tier 2 – Generics: Generic and some very low-cost brand drugs that are available at a higher cost to you than drugs in Tier 1
  • Tier 3 – Preferred Brands: Generic or brand drugs that are available at a lower cost to you than drugs in Tier 4
  • Tier 4 – Non-Preferred Drugs: Generic or brand drugs that are available at a higher cost to you than drugs in Tier 3
  • Tier 5 – Specialty Drugs: This is the highest-cost tier. Some injectables and other high-cost drugs
  • Tier 6 – Specialty Drugs: Generic or brand drugs that are used to treat or prevent conditions. Specifically, diabetes, cardiovascular disease and most vaccines.

Extra Help

You may be able to get extra help pay for your prescription drug premiums and costs. To see if you qualify, call or contact:

For more information about gap coverage or other prescription drug benefits, please see your: