Medicare Part D plans organize drugs into tiers with different cost-sharing. Typical tiers: Tier 1 (preferred generics, lowest copay), Tier 2 (non-preferred generics), Tier 3 (preferred brand-name drugs), Tier 4 (non-preferred brand-name drugs), Tier 5 (specialty drugs, highest cost-sharing). Lower tiers have lower cost-sharing.
Key Points
- Tier 1: preferred generics, lowest copay
- Tier 2: non-preferred generics
- Tier 3: preferred brand-name drugs
- Tier 4: non-preferred brand-name drugs
- Tier 5: specialty drugs, highest cost-sharing