Prescriptions: Plans with Maximum Fill Per Maintenance Drug

I recently turned 26 and purchased health care coverage through my employer (an HMO plan). I take a medication for ADHD regularly, and noticed that it is classified as a maintenance drug. My plan covers three 30-day fills per maintenance drug, and then coverage is decreased for subsequent fills. However, if you fill a 90-day supply with their contract pharmacy (express scripts), you can circumvent the decreased coverage by 1) filling 3 times at the lower rate (9 months of meds) and 2) getting better coverage for 90-day supplies (if you do the math at cost/day)



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