Deloitte people - 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 folks enrolled in those plans, are you paying a ton of money for prescriptions until you hit the annual deductible?

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Yes. I was prescribed an ointment and turns out I gotta pay $77 for it. It was $36 on good rx. But since I have friends in India, I made someone send me two tubes for $10

I have the more expensive ppo and all my prescriptions have been $7/ea

I would pair your HDHP with a maxed HSA so it would be a non issue. Not only HSA pre-tax you can invest them to grow.

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