You said the key words “ many scenarios “ . There’s no way to manually fig out .I’ve read were a fixed cost copay like $47 . If the % like 25% is let’s say $150 . You get the credit from the higher $150 vs your $47 or $103 toward you moop . I think it’s Critical to sell mapd’s and pdp’s with fixed tier 3-5 copays . I’m not going to go down rabbit holes to try to explain this . Im tell all “ if you have expensive drugs you’ll have to to a $495 deductible . But once you hit that most drugs will be about the same cost as before . But the good news is you can never pay more than $2k in a yr and a great % of people pay less than that . So all those expensive drugs you have you can never pay more than $2k total . If you go to the pharmacy and they want $400 let’s say for a drug . You can call the company and set a payment plan up .
Who's not getting paid, dude this is a bigger deal on mapd than pdp, and if your thinking your Wellcare members will stick with them hold on the anoc just hit and I got 3 calls today from pissed off people, guess what meds not covered on the slimmed down formulary let the fun begin
