From: "Randy Holcomb" 

In the case of CIgna; their formulary consists of 2 tiers.

Tier 2 contains all of the generics and *specific* brand-name drugs that
have no generics at this time. Many big-name drugs like Lipitor, Nasonex
and the like are NOT on the Tier 2 plan; which can be a big problem for
some folks.

Tier 3 contains all drugs legally prescribable.

If you have a 2-tier plan and your doctor presribes a drug not listed, you
foot the bill for the entire drug amount; unless your doctor can convince
Cigna to cover the drug or he chooses a drug that is covered in Tier 2.

When I had my surgery the pulmonologist prescribed Lovenox for 10 days; it
took a call to Cigna to get it approved as it wasn't even listed in Tier 3;
had it not been approved I was looking at a $380 bill.

You can go to Cigna's website and reall all about it.

"Randall Parker"  wrote in message
news:MPG.138e06f69c4769ea98a369{at}news.barkto.com...
MPG.138cf7017e5067379898cf{at}news.barkto.com>,
> blucy{at}mediaone.net says...
> > Speaking of prescriptions (sorta), does your plan cover non-brand
formularies?
> > Most don't, which means you could end up paying unlimited amounts on
> > prescriptions.
>
> How does that work? If the drug store doesn't have the brand name then
> you have to pay the full amount? I don't get it.
>
>
I know *all* the exceptions!>
>
> From your example they sound byzantine.
>
> (though perhaps we need a more modern replacement for byzantine;
> Washingtine?)
>
>

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