In which tier would a member typically find non-preferred brand-name drugs?

Members typically find non-preferred brand-name drugs in Tier 4. This tier is designed for medications that are often more expensive than preferred options, which include both generic and preferred brand-name drugs typically found in lower tiers.

Non-preferred brand-name medications generally come with higher copayments or coinsurance rates to encourage members to use more cost-effective alternatives. The tiered structure is an important feature of many health plans, as it helps to manage costs while still providing access to needed medications.

Other tiers usually contain either generic drugs or preferred brand-name drugs, which typically carry lower out-of-pocket costs for the member. Thus, the tiered system effectively guides members toward more economical choices while still offering access to a broader range of medications when necessary.