Some prescription insurance plans have an annual deductible. This is the amount you must pay each year for your prescriptions before your prescription insurance begins to pay its share of your covered drugs.
Generally, when a prescription insurance plan applies a deductible, you will pay the approximate full cost of your medications until you have paid the deductible. Once the deductible is met, you will then only pay your portion or “copay” for your covered medications.
Most deductibles are annual meaning it will restart each plan year. Common plan year start dates are September 1 or January 1.
At any time, you may contact your prescription insurance plan to find out if you have a deductible, how much the deductible is, how much you have currently paid toward that deductible, and when the deductible will restart.
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