Tier 1 (Generics) are cheapest; Tiers 2-4 (Brand/Specialty) are more expensive. 3. Copay vs. Other Insurance Terms
: The annual amount you must pay before your insurance starts sharing costs. Copays typically do not count toward your deductible. insurance copay
: The absolute limit on what you pay in a year. Once reached, insurance pays 100% of covered costs. Copays usually count toward this limit . 4. Important Considerations Tier 1 (Generics) are cheapest; Tiers 2-4 (Brand/Specialty)
: Copays are generally lower when you visit providers within your insurance network. Out-of-network visits often have significantly higher copays or may not be covered at all. Tier 1 (Generics) are cheapest