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Medical deductible: Applies to doctor visits, tests, procedures Pharmacy deductible: Applies only to prescriptions Until its met, you pay the negotiated (but not copay) price Once the pharmacy deductible is met: Copays or coinsurance apply Prescriptions get much cheaper Why do plans do this: helps lower premiums Encourages use of generics Separates drug costs from medical costs TLDR: If your Rx is expensive early in the year, its usually not a mistake

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Ditzenberger GL, et al