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Medicare is a national health insurance program in the United States that is administered by the federal government. It is designed to provide healthcare coverage for people who are 65 years of age or older, as well as for certain younger people with disabilities and individuals with end-stage renal disease.

Medicare is made up of four parts: Part A, which covers hospital stays and other inpatient care; Part B, which covers outpatient medical care and some preventive services; Part C, which is also known as Medicare Advantage and allows beneficiaries to receive their Medicare benefits through private insurance plans; and Part D, which covers prescription drugs.

A Health Savings Account (HSA) is a type of personal savings account that is used to pay for qualifying medical expenses. HSAs are available to individuals who are enrolled in a high deductible health plan (HDHP).

HSAs offer a number of tax benefits, including the ability to contribute pre-tax dollars to the account and to withdraw funds tax-free to pay for qualifying medical expenses. In addition, any funds left in the HSA at the end of the year roll over to the next year, allowing the account to accumulate over time.

Yes, many health insurance plans use a tiered structure for prescription drugs. This means that drugs are grouped into different tiers based on their cost, with the lower-cost drugs in the lower tiers and the higher-cost drugs in the higher tiers.

The specific drugs that are included in each tier, as well as the out-of-pocket costs for each tier, can vary from one insurance plan to another. Generally, however, drugs in the lower tiers will have a lower out-of-pocket cost for the patient, while drugs in the higher tiers will have a higher out-of-pocket cost.

The purpose of the tiered structure is to encourage the use of lower-cost drugs whenever possible. For example, a patient may be asked to try a lower-tier drug before a higher-tier drug is approved for coverage. Some insurance plans may also require prior authorization for certain drugs, particularly those in the higher tiers.

It is important to note that the tier structure of a prescription drug plan can impact the out-of-pocket costs for medications, and it is a good idea to review the details of a plan's tier structure before enrolling.