The plan is to leave just enough out of your paychecks so you can survive, be equal with your trodden poor fellow man, and unable to achieve the American dream.
And then if you DO manage to get your “American Dream” they will take it away from you, they will create a reason.
Bought our first persc. drug of the year............organic tier 2 was 18$ for 90 days.....NOW is tier 3..and will now cost 115.00.
Tier 3 is for name brand drugs............btw all other organic drugs like this are now tier 3............?
What Are Formulary Tiers?
Tiers are groups of drugs that fall within description and pricing groups:
Tier 1 or Tier I: Tier 1 drugs are usually limited to generic drugs, the lowest cost drugs. Sometimes other, regularly lower price branded drugs will fall into this tier, too. Tier I drugs cost us the lowest co-pays, usually $10 to $25.
Tier 2 or Tier II: Tier II is usually comprised of brand name drugs or more expensive generics. If you must take a brand name drug, your payer will have a list of branded drugs it prefers (because their cost is less, explained below.) These preferred brands are found in Tier 2. Tier II drugs cost us a middle-value co-pay, usually $15 to $50.
Tier 3: or Tier III: The more expensive brand name drugs, and usually the ones your insurance company doesn’t want you to get a prescription for (because their cost is higher, explained below) are also considered non-preferred. They are found in Tier 3. Tier III drugs will cost us even more than the lower tiers, usually $25 to $75 co-pay.
Tier 4 or Tier IV, also called specialty drugs: These are usually newly approved pharmaceutical drugs, and are so expensive that your payer wants to discourage prescriptions for the drug. Tier IV is a newer designation, first used in 2009.
A Tier IV designation seems to be a catch-all for expensive drugs. Rather than assign a specific dollar co-pay, payers will assign a percentage, like 60%. For example, a very expensive chemo drug, priced at $1,000 may cost the patient $600.
Why Are Drugs Listed in Tiers?
This is a one word answer: money.