balanced max keto FSA's vs. HSA'sFormulary: a list of medications for which a health plan pays.Drug formularies and Pharmacy Benefit TiersMost health insurance plans that pay for prescription drugs have pharmacy benefit tiers in place that group certain drugs together for pricing purposes. Brand-name drugs, are usually in the top tier, and are the most expensive; generic drugs dare in the lower tiers and are less expensive. Depending on your prescription drug co-pay for a medication, you may be $5 to $10 for a lower tier drug and anywhere from $25 and up for a higher tier drug. Most plans have have 4 to 5 tiers, but some have as many as seven.
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