Do Prescription Costs Count Toward Deductible?

If you have a combined prescription deductible, your medical and prescription costs will count toward one total deductible.

Usually, once this single deductible is met, your prescriptions will be covered at your plan’s designated amount.

This doesn’t mean your prescriptions will be free, though.

Do prescription costs count toward deductible Cigna?

For more information about your coverage, or to get a copy of the complete terms of coverage, go online at www.cigna.com/sp. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary.

What counts towards a deductible?

You pay for 100 percent of your medical bills before the deductible has been met. In these plans, usually any money you spend toward medically necessary care counts toward your health insurance deductible as long as it’s a covered benefit of your health plan and received following the health plan’s rules.

Do prescriptions count toward out of pocket maximum?

The amounts you pay for prescription drugs covered by your plan would count towards your out-of-pocket maximum. These plans have a separate deductible, so your payments for prescriptions under an individual plan will not count toward your health insurance plan out-of-pocket maximum.

Does deductible count as out of pocket?

Deductible first, then out-of-pocket max

Deductible: The deductible is how much you are expected to pay per year for medical services your plan covers. Copays and coinsurance usually don’t count toward your deductible.