There are various plans that can be used to cover prescription drugs:

• Copays: Copays are the most common type. Copays for prescriptions are a set amount that you pay for prescriptions right from the start.
• Coinsurance: With coinsurance, you pay a percentage of the prescription cost and insurance covers the rest. 
• Prescription Deductible: A prescription deductible is separate from a medical deductible and needs to be met before coverage starts.
• Integrated Deductible: An integrated deductible includes both medical and prescription costs. Once the full plan deductible is met, prescription copays or coinsurance applies.

Prescriptions are expensive and having adequate coverage can make the difference between being able to afford medications or having to do without.