Deloitte folks, I am enrolling in benefits and am super confused about how prescription drugs are covered before you meet the deductible for the HDHP plans. For people enrolled in those plans, are you paying a ton of money for prescriptions until you hit the annual deductible?

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I don’t fully understand it and won’t pretend to but no, prescriptions are still subsidized heavily (if not 100%) by insurance. I rarely pay for mine

No I’ve never met the deductible. My annual health care costs are like $200 for contacts and that’s a separate plan entirely lol I genuinely can’t think of another thing I’ve spent money on in the last 2 yrs. If you’re healthy and generally just go to your regular doctors you save a ton of money being on a HDHP. Not sure if you’ve joined Deloitte yet but once you join if you search dnet there’s a calculator where you can estimate your annual expenses and it’ll recommend which plan is the cheapest for your facts though

I just use goodrx, it’s cheaper than GTs insurance price, comparison shop.

It is legit but those expenses do not count towards your deductible. So if you are going to meet the deductible it is potentially worth paying more up front.

For me (non Deloitte) the ADHD meds wouldn't get me past the deductible so goodrx was better

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