UMP Classic

Prescription drug deductible

Note: This definition is for UMP Classic only. UMP Plus and UMP CDHP do not have prescription drug deductibles.

The prescription drug deductible is a dollar amount you must pay each calendar year for Tier 2 and Tier 3 prescription drugs before the plan starts paying benefits for these drugs. You pay the first $100 per individual in prescription drug charges ($300 maximum if you have a family of three or more on one account).

Only expenses for Tier 2 and Tier 3 drugs covered by the plan apply to your deductible. For example, if you receive a prescription for a drug for cosmetic purposes (see exclusion 15 on this list), the plan does not apply the cost of a noncovered drug to your deductible.

See “Your prescription drug out-of-pocket limit” for annual limits to your cost for prescription drugs.

The prescription drug and medical deductibles are separate: Prescription drug purchases do not apply to your medical deductible. Medical services do not apply to your prescription drug deductible.

Note: What you pay (coinsurance) for Value Tier and Tier 1 drugs does not count toward your prescription drug deductible.