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How the Plan Works

Deductible/Coinsurance Drug Program

When you purchase covered prescription drugs, here's how the program works:

DEDUCTIBLE COINSURANCE ANNUAL OUT-OF-POCKET MAXIMUM
(Includes Deductible)
YOU PAY
per person per calendar year deductible 		IBC PAYS
designated percentage of the FutureScripts® negotiated discount price at participating pharmacies		 YOU PAY
designated percentage of the FutureScripts negotiated discount price at participating pharmacies		 Once you reach the designated out of pocket maximum, IBC pays 100% of the FutureScripts negotiated discount price at participating pharmacies for remainder of the calendar year

FutureScripts® is an independent company and serves as Independence Blue Cross' Pharmacy Benefits Manager.