TIP;Use your plans preferred Pharmacies. Most drug plans have preferred pharmacies. If you are not sure, you can find out online through the plans website, calling customer service or calling you agent. The difference in medicatio costs with standard vs preferred pharmacies can be substantial, especially when projected out over a year. Many plans will apply the deductible to Tier 1 and 2 generics if you use a standard pharmacy which is an unnecessary added cost.