I’ll lay out the relevant info in what follows. The coverages I’m listing aren’t all the coverages, just the ones I want to ask further information about:
Plan A: $93/mo
Plan B: $109/mo
Plan A covers brand-name prescription drugs with a 35% coinsurance rate. Plan B covers them with a $40 co-pay. Which is better? Are brand-name prescription drugs, when discounted down to 35%, likely to cost more or less than $40?
Similarly, Plan A covers “non-formulary brand-name prescription drugs” with 50% coinsurance while B covers them with a $75 copay. Which is better? (And while I’m here, what is a “nonformulary” drug?
The plans also list values for “mail order prescription drugs.” Plan A covers with 35% coinsurance while B covers with a $120 copay. Which of these is better? (And when would one have to use this benefit? When the drug is not available widely at pharmacies?)
For the mail order drugs, both plans list “90 day supply.” Does this mean per 90 day supply, or does this mean after the 90 day supply the drug is no longer covered? (Or does this differ from company to company meaning there’s no wya to to tell from the information I’ve given here?)
Under hospital services, plan A covers with a $250 deductible, while plan B covers with a $250 deductible “plus 20% coinsurance after deductible.” Does this probably mean plan A covers 100% after deductible, or 0%?
Thanks for any assistance dopers!