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Home   >  Understanding Your Plan   >   Types of Plans   >   Prescriptions & Exclusions   >   Limitations & Exclusions

Let us give you the facts so you can choose the right benefits the first time.

There are many people that rely on prescription medication to manage their overall health.  This, however, can be very costly to you. 

Here is what you need to know:
  • Make sure the plan you choose covers your prescription needs
  • Check whether it’s ok to have generic medication or is brand required
  • Find out if there is a deductible included in your costs or is it waived

How it works - Insurance companies break down prescription medication into tiers.

  • Tier 1 – Generic Drugs, which are a lower cost alternative than brand name drugs. 
  • Tier 2 – Preferred Brand Name Drugs, with usually higher copayments than generic drugs.
  • Tier 3 – Non-preferred Brand Name Drugs, and these have the highest copayments and are less commonly used than other tiers
  • Tier 4 – Specialty Drugs, used for special doses and treatments usually managed by a professional

To start researching the right plans for you, click here to get instant quotes of all the major carriers in California. 

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