Does Cigna Cover Suboxone — Benefits and Coverage

If you're managing Opioid Use Disorder, knowing whether your Cigna plan covers Suboxone can determine your treatment path. Coverage exists, but it comes with conditions — prior authorizations, clinical documentation requirements, and cost-sharing variables that differ across plans. Understanding exactly what Cigna covers, and what it doesn't, puts you in a stronger position to navigate your benefits and avoid unexpected costs.

Does Cigna Cover Suboxone Treatment?

Available Suboxone treatment options include outpatient medication-assisted treatment programs and integrated behavioral health services, both of which Cigna frequently covers under its substance use disorder benefits. Numerous Suboxone success stories stem from consistent access to these structured programs. Reviewing your Summary of Benefits and Coverage document gives you the clearest picture of what your specific Cigna plan will pay.

Does the Mental Health Parity Law Require Cigna to Cover Suboxone?

The Mental Health Parity and Addiction Equity Act (MHPAEA) requires insurers like Cigna to cover mental health and substance use disorder treatments on equal terms with medical and surgical benefits. This means Cigna can't impose stricter limitations on addiction treatments like Suboxone than it does on comparable medical treatments. If your plan covers opioid use disorder treatment, parity law mandates that Cigna apply the same coverage standards—including cost-sharing, prior authorization requirements, and treatment limits—to Suboxone as it would to any equivalent medical benefit. See also: Does BCBS Cover Suboxone — Benefits and Coverage

Mental Health Parity Explained

Mental health parity laws exist to guarantee that insurance plans don't impose stricter limitations on mental health and substance use disorder (SUD) treatments than they do on medical or surgical treatments. These laws reflect growing mental health awareness and directly combat addiction stigma by legally recognizing SUD as a legitimate medical condition deserving equal coverage.

Under the Mental Health Parity and Addiction Equity Act (MHPAEA), if Cigna covers comparable medical treatments, it must apply equivalent coverage terms to SUD treatments like Suboxone. This means Cigna can't enforce tighter prior authorization requirements, higher cost-sharing, or more restrictive treatment limitations specifically for addiction care. Understanding this legal framework empowers you to challenge coverage denials and hold Cigna accountable to its federal obligations.

Parity Law Coverage Requirements

While parity law considerably strengthens your right to Suboxone coverage, it doesn't directly mandate that Cigna cover it. Instead, it requires that your coverage options for substance use disorder treatment remain comparable to medical benefits. Specifically, parity law mandates that Cigna:

• Apply equivalent prior authorization requirements to both medical and SUD treatments
• Maintain consistent cost-sharing structures across benefit categories
• Impose identical treatment limitations on mental health and medical services
• Use comparable reimbursement rates for equivalent service types
• Apply uniform network adequacy standards across all benefit classifications

Understanding these distinctions helps you advocate effectively for your benefits. If Cigna offers Suboxone coverage, parity law guarantees those benefits aren't disproportionately restricted compared to other medical treatments you receive.

How Cigna Defines Opioid Use Disorder Coverage

When you're seeking Suboxone coverage through Cigna, understanding how the insurer defines opioid use disorder (OUD) coverage is essential. Cigna typically requires that your OUD diagnosis meet specific clinical criteria, often aligned with DSM-5 standards, before approving Suboxone as a covered treatment. Under Mental Health Parity protections, Cigna must apply the same coverage standards to OUD treatment that it applies to comparable medical or surgical conditions, which can work in your favor when challenging a denial.

Cigna's OUD Coverage Criteria

Cigna covers Suboxone for opioid use disorder (OUD), but it applies specific clinical criteria to determine eligibility. You'll need to meet documented diagnostic standards using recognized OUD assessment tools and demonstrate medical necessity before coverage is approved. Cigna typically requires:

• A confirmed OUD diagnosis based on DSM-5 criteria
• Documentation of prior OUD treatment options explored or attempted
• Prescription issued by a licensed, waivered provider
• Enrollment in or referral to a thorough medication-assisted treatment (MAT) program
• Evidence that Suboxone is clinically appropriate for your specific condition

Failing to meet any criterion can trigger a denial or require prior authorization appeals. Understanding these requirements upfront helps you prepare the necessary documentation and streamlines your path to accessing covered Suboxone treatment.

Mental Health Parity Protections

Federal mental health parity laws require Cigna to treat opioid use disorder coverage no less favorably than coverage for comparable medical or surgical conditions. This means Cigna can't impose stricter prior authorization requirements, higher cost-sharing, or more restrictive treatment limitations on OUD care than it applies to other chronic conditions.

These protections directly affect your mental health impacts and treatment accessibility by preventing discriminatory coverage practices that historically delayed or denied medically necessary care. If Cigna denies your Suboxone prescription under criteria it wouldn't apply to a comparable medical treatment, that denial may constitute a parity violation. You can file a complaint with your state insurance commissioner or the U.S. Department of Labor if you suspect a violation has occurred.

Which Cigna Plans Include Suboxone Benefits?

Most Cigna health insurance plans include coverage for Suboxone as part of their substance use disorder benefits, though the extent of that coverage varies by plan type. Understanding your Suboxone eligibility requires reviewing your specific Cigna plan types and associated formulary documents. Related: Does GuideWell Cover Drug and Alcohol Rehab — Coverage Guide

Plans that typically include Suboxone benefits:

• Cigna Open Access Plus (OAP) — covers Suboxone with prior authorization requirements
• Cigna HMO plans — require in-network prescribers for coverage
• Cigna PPO plans — offer broader provider flexibility for Suboxone prescriptions
• Cigna Medicare Advantage — covers Suboxone under Part D drug benefits
• Cigna Employer-Sponsored plans — coverage depends on your employer's selected benefit structure

Review your Summary of Benefits and Coverage (SBC) document or contact Cigna directly to confirm your specific plan's Suboxone benefits.

Does Cigna Cover Generic Buprenorphine-Naloxone?

Cigna typically covers generic buprenorphine-naloxone, which is the bioequivalent form of Suboxone, and you'll often find it placed in a lower formulary tier than the brand-name version. Your out-of-pocket costs drop considerably when you use the generic, as Cigna's tiered formulary structure assigns lower copays or coinsurance rates to generic medications. If you're managing costs, confirming your plan's specific tier placement for generic buprenorphine-naloxone before filling your prescription can help you avoid unexpected expenses.

Generic Buprenorphine-Naloxone Coverage

Generic buprenorphine-naloxone is typically covered under Cigna's prescription drug benefits, often at a lower cost-sharing tier than brand-name Suboxone. When exploring buprenorphine coverage options, you'll generally find generics require lower copays and fewer prior authorization hurdles.

Key considerations for generic coverage include:

• Formulary placement: Generics typically appear on Tier 1 or Tier 2, reducing your out-of-pocket costs
• Prior authorization: Requirements may still apply, depending on your specific Cigna plan
• Quantity limits: Monthly dispensing restrictions often govern refill schedules
• Naloxone safety measures: The naloxone component discourages misuse, which insurers view favorably
• Step therapy: Some plans require documented treatment history before approving coverage

Verifying your plan's specific formulary details directly with Cigna guarantees you're accessing the most cost-effective buprenorphine-naloxone option available.

Cigna Formulary Tier Placement

When you review Cigna's formulary, you'll typically find generic buprenorphine-naloxone placed on Tier 1 or Tier 2, which directly lowers your copay and reduces overall out-of-pocket costs compared to brand-name Suboxone. Lower tier placement means Cigna classifies the medication as preferred, prioritizing it for cost-effective treatment of opioid use disorder.

However, formulary updates occur periodically, and tier changes can affect your cost-sharing obligations without advance notice. You should verify your specific plan's current formulary before filling any prescription. Cigna's online formulary search tool allows you to confirm tier placement by entering your plan details and the medication name. If a tier change increases your costs unexpectedly, you may request a formulary exception through Cigna's standard appeals process.

Cost Savings With Generics

Switching to generic buprenorphine-naloxone is one of the most effective ways to reduce your medication costs under a Cigna plan. Cigna covers generic formulations, offering significant generic cost savings compared to brand-name Suboxone. These affordable healthcare options make long-term treatment more financially sustainable.

Generic buprenorphine-naloxone provides identical therapeutic benefits at a lower tier cost, including:

• Lower copays than brand-name Suboxone
• Placement in Tier 1 or Tier 2 on most Cigna formularies
• Equivalent bioavailability and clinical effectiveness
• Broader pharmacy network availability
• Reduced prior authorization requirements in many plans

Ask your prescriber to write your prescription using the generic name rather than the brand. This single step can substantially lower your out-of-pocket expenses without compromising treatment quality.

What Does Cigna Actually Pay for With Suboxone?

Cigna's coverage for Suboxone typically extends across several cost categories, though the exact breakdown depends on your specific plan. Under Cigna reimbursement policies, you'll generally find coverage applied toward the medication itself, prescriber consultations, and required drug monitoring tests. Suboxone usage guidelines also influence what Cigna will fund, meaning prior authorization requirements, dosage limits, and treatment duration thresholds directly affect your reimbursable costs. Cigna typically covers a portion of your pharmacy costs after your deductible is met, with copays or coinsurance applying at the point of purchase. Office visits related to your opioid use disorder treatment may fall under medical benefits rather than pharmacy benefits, so verify which portion of your plan governs each specific cost category before assuming unified coverage.

How Much Does Suboxone Cost With Cigna Insurance?

Understanding what Cigna covers is only part of the picture—you'll also need to know what you're actually expected to pay out of pocket. Suboxone pricing varies based on Cigna cost-sharing structures tied to your specific plan.

Knowing what Cigna covers is just the beginning—your out-of-pocket Suboxone costs depend on your specific plan.

Key cost factors include:

• Deductible status: You pay full cost until your deductible is met
• Copay or coinsurance: Typically ranges from $10–$50 per fill depending on tier placement
• Generic vs. brand-name: Generic buprenorphine/naloxone costs considerably less
• Pharmacy network: In-network pharmacies reduce your out-of-pocket exposure
• Prior authorization requirements: Delays can affect when cost-sharing begins

Review your Summary of Benefits or contact Cigna directly to confirm your exact Suboxone pricing obligations before filling your prescription.

In-Network vs. Out-of-Network Suboxone Providers With Cigna

When you use an in-network Suboxone provider through Cigna, you'll pay considerably less out-of-pocket because Cigna has pre-negotiated rates with these providers. If you choose an out-of-network provider, Cigna may still reimburse a portion of your costs, but you'll typically face higher cost-sharing and may need to meet a separate out-of-network deductible first. To find covered providers, use Cigna's online provider directory or call the member services number on your insurance card to confirm a prescriber's network status before your first appointment.

In-Network Cost Savings

Choosing between in-network and out-of-network Suboxone providers can greatly affect what you pay out of pocket. A cost comparison between in-network providers and out-of-network options typically reveals significant savings when you stay within Cigna's approved network.

In-network cost savings include:

• Lower copays negotiated directly between Cigna and your provider
• Reduced coinsurance rates applied to Suboxone prescriptions and office visits
• Deductibles that apply more favorably under in-network benefit structures
• Pre-negotiated medication pricing that limits your maximum financial exposure
• Predictable out-of-pocket maximums that cap your annual spending on addiction treatment

Staying within Cigna's network eliminates surprise billing and guarantees you're maximizing your plan's benefits. Always verify a provider's network status before scheduling your first Suboxone-related appointment.

Out-of-Network Reimbursement Rules

If you use an out-of-network Suboxone provider, Cigna typically reimburses a percentage of what it considers the "allowed amount" for that service—not the provider's actual charge. This distinction matters because out-of-network reimbursement is calculated against Cigna's predetermined rate, leaving you responsible for any balance above that amount.

Coverage limitations apply more aggressively with out-of-network providers. You'll generally face a higher deductible, elevated coinsurance rates, and stricter prior authorization requirements. Some Cigna plans offer no out-of-network benefits at all, particularly HMO structures.

Before pursuing an out-of-network provider, request a cost estimate from Cigna directly. Understanding your plan's explanation of benefits helps you anticipate your financial exposure and avoid unexpected bills during Suboxone treatment.

Finding Covered Providers

Finding a Cigna-covered Suboxone provider involves two distinct pathways—in-network and out-of-network—each carrying different cost implications and access requirements. Use Cigna's provider search tool at mycigna.com for locating Suboxone clinics and buprenorphine-certified physicians within your network.

Key steps for finding covered providers:

• Filter searches by "substance use disorder" or "addiction medicine" specialty
• Confirm the provider holds an active DATA 2000 waiver for buprenorphine prescribing
• Verify the provider accepts your specific Cigna plan tier
• Contact Cigna directly at the member services number on your ID card
• Request a written coverage confirmation before your first appointment

Out-of-network providers remain accessible but trigger higher cost-sharing. Always cross-reference Cigna's real-time database, as provider participation statuses change frequently.

Does Cigna Cover Online Suboxone Treatment Programs?

Telehealth has transformed how people access Suboxone treatment, and Cigna generally covers online Suboxone programs under the same mental health and substance use disorder benefits that apply to in-person care. Through telemedicine accessibility, you can connect with licensed prescribers who evaluate your condition, initiate treatment, and manage your medication remotely. Online consultations follow the same prior authorization requirements as in-person visits, so verifying your specific plan details beforehand remains essential. Cigna's telehealth coverage expanded markedly following federal policy changes that relaxed in-person prescribing requirements for buprenorphine. However, coverage terms vary by plan type, employer agreements, and state regulations. Contact Cigna directly or review your Summary of Benefits to confirm whether your plan includes reimbursement for online Suboxone treatment providers.

How Cigna's Step Therapy Rules Affect Suboxone Access

Step therapy protocols at Cigna can delay your access to Suboxone by requiring you to try and fail on alternative treatments before approving the medication your provider recommends. Cigna policies apply step therapy inconsistently, meaning your specific plan determines whether these restrictions apply.

Common step therapy barriers include:

• Requiring documented proof of prior addiction treatment attempts
• Mandating trials of methadone or naltrexone before Suboxone approval
• Requesting clinical notes justifying buprenorphine over alternatives
• Imposing time-based waiting periods between treatment steps
• Demanding peer-to-peer reviews between your provider and Cigna's medical team

Your provider can submit a step therapy exception if clinical evidence supports immediate Suboxone access. Documenting medical necessity thoroughly strengthens your case and accelerates Cigna's review process.

Does Cigna Cover Suboxone for Pregnant Patients?

Cigna typically covers Suboxone for pregnant patients because buprenorphine-based medication-assisted treatment is the clinical standard of care for opioid use disorder during pregnancy. Untreated opioid use disorder carries serious pregnancy risks, including preterm labor, fetal growth restriction, and neonatal mortality. Cigna recognizes these risks and generally avoids imposing step therapy requirements on pregnant patients, since delaying treatment options could cause measurable harm. Your coverage will depend on your specific plan, but prior authorization is often expedited for pregnant individuals. You should contact Cigna directly and loop in your prescribing provider to confirm formulary placement and any documentation requirements. Coordinating quickly guarantees uninterrupted access to treatment throughout your pregnancy.

Do You Need Prior Authorization for Suboxone With Cigna?

Most Cigna plans require prior authorization for Suboxone before they'll cover it. Cigna policies mandate that your prescribing provider initiates the authorization process by submitting clinical documentation. You'll need to confirm requirements with your specific plan, as coverage terms vary.

Most Cigna plans require prior authorization for Suboxone, and your provider must submit clinical documentation to initiate coverage.

Typical documentation required includes:

• Confirmed opioid use disorder (OUD) diagnosis
• Previous treatment history and outcomes
• Prescriber's clinical justification for Suboxone
• Proof of enrollment in a thorough treatment program
• Current medication dosage and treatment plan

Without prior authorization, Cigna may deny coverage, leaving you responsible for the full cost. Contact your prescribing provider early to initiate the authorization process promptly, avoiding treatment delays that could compromise your recovery progress.

How to Get Prior Authorization Approved Faster

Getting prior authorization approved faster starts with preparation. Use these prior authorization tips to streamline the process and improve your chances of faster approval:

• Document medical necessity clearly. Your prescribing provider should include your diagnosis, treatment history, and why Suboxone is clinically appropriate.
• Submit complete records upfront. Missing documentation is the most common cause of delays. Include prior treatment attempts and any supporting lab results.
• Request peer-to-peer review. If Cigna initially denies the request, your doctor can speak directly with Cigna's medical reviewer to advocate for approval.
• Follow up proactively. Contact Cigna regularly to confirm receipt and check status.
• Use Cigna's online provider portal. Electronic submissions process faster than faxed or mailed requests.

Acting quickly and thoroughly reduces unnecessary delays.

Finding a Cigna-Covered Suboxone Provider Near You

Once you've secured prior authorization, you can locate a Cigna-covered Suboxone provider by accessing Cigna's online provider directory and filtering results by specialty, such as addiction medicine or psychiatry. If in-person options are limited in your area, Cigna's telehealth benefits may cover virtual Suboxone treatment through licensed prescribers, expanding your access considerably. Before scheduling any appointment, verify the provider's in-network status directly with Cigna to avoid unexpected out-of-pocket costs.

Using Cigna's Provider Directory

Finding a Cigna-covered Suboxone provider starts with Cigna's online provider directory, available at cigna.com. Effective Cigna directory navigation guarantees provider network optimization, connecting you with in-network addiction specialists quickly.

Use the directory to filter results by:

• Specialty: Search for addiction medicine physicians or psychiatrists
• Location: Enter your zip code for geographically relevant results
• Plan type: Confirm the provider accepts your specific Cigna plan
• Telehealth availability: Identify providers offering virtual Suboxone consultations
• Languages spoken: Filter for providers matching your language preference

After identifying potential providers, verify their Suboxone prescribing credentials directly by phone. Confirm their DEA waiver status and current patient availability before scheduling. This two-step verification prevents coverage disruptions and guarantees your treatment begins without administrative delays.

Telehealth Suboxone Treatment Options

Telehealth has transformed how you access Suboxone treatment, eliminating geographic and scheduling barriers that previously kept patients from starting medication-assisted treatment. Through virtual consultations, Cigna-covered providers can evaluate you, prescribe buprenorphine/naloxone, and monitor your progress without requiring in-person visits. Many Cigna plans cover online therapy and telehealth MAT services, though coverage specifics vary by plan type.

To verify telehealth benefits, call the member services number on your insurance card or log into myCigna.com. Ask specifically whether virtual Suboxone consultations require prior authorization and whether out-of-state telehealth providers are covered. Platforms like SAMHSA's treatment locator also identify telehealth-capable providers accepting Cigna. Confirming coverage details before your first appointment prevents unexpected out-of-pocket costs and guarantees your treatment begins without administrative delays.

Verifying In-Network Coverage

Whether you're pursuing telehealth or in-person care, verifying that your provider is in-network before scheduling prevents surprise billing and maximizes your benefits. Use these steps for accurate coverage verification within the Cigna network:

• Log into myCigna.com and use the "Find a Doctor" tool filtered by substance use treatment
• Call the member services number on your insurance card to confirm Suboxone coverage specifics
• Ask your provider's billing department to verify your Cigna network status directly
• Request a Summary of Benefits document outlining your deductible, copay, and prior authorization requirements
• Confirm whether your prescribing physician holds a DATA-waiver, which affects reimbursement eligibility

Completing coverage verification before your first appointment guarantees uninterrupted access to treatment and eliminates unexpected out-of-pocket costs.

How to Check Your Cigna Plan's Suboxone Benefits

Checking your Cigna plan's Suboxone benefits takes only a few steps. Log into myCigna.com and navigate to the "Coverage & Benefits" section to review your prescription drug formulary. Search for buprenorphine/naloxone to confirm your tier placement and associated cost-sharing.

You can also call the member services number on your Cigna ID card to speak directly with a representative. Ask specifically about prior authorization requirements, quantity limits, and approved prescribers in your network.

If Suboxone isn't covered under your current plan, request information about Suboxone alternatives that may qualify for better Cigna benefits, such as generic buprenorphine/naloxone formulations. Having your plan details ready before calling — including your member ID and group number — will streamline the verification process considerably.

What to Do When Cigna Denies Your Suboxone Claim

If Cigna denies your Suboxone claim, don't assume the decision is final. You have the right to file a claim appeal, and many denials are successfully overturned when you provide the correct documentation aligned with Cigna's coverage guidelines.

Take these steps to challenge the denial effectively:

• Request a written explanation of the denial and the specific coverage guidelines cited
• Ask your prescriber to submit a letter of medical necessity
• Gather clinical records supporting your diagnosis and treatment plan
• File a formal internal appeal within Cigna's specified timeframe
• If the internal appeal fails, request an independent external review

Acting quickly matters — appeal deadlines are strict. Your prescriber can be a critical ally throughout this process.

How to Appeal a Cigna Suboxone Coverage Denial

Appealing a Cigna Suboxone coverage denial follows a structured process, and knowing each step improves your chances of a successful outcome. Review your denial letter carefully to identify specific denial reasons, then gather supporting clinical documentation.

Follow the appeal process precisely, meeting every deadline Cigna specifies. Your doctor's written statement supporting medical necessity strengthens your case considerably. Include treatment history, diagnosis records, and clinical guidelines supporting Suboxone's appropriateness for your condition.

How to Pay for Suboxone If Cigna Won't Cover It

Several financial pathways exist when Cigna denies Suboxone coverage, and you'll want to explore each one before paying full retail price. Financial assistance programs and suboxone alternatives can greatly reduce your out-of-pocket costs.

• Manufacturer savings cards: Indivior offers patient assistance programs that lower branded Suboxone costs
• Generic buprenorphine/naloxone: Therapeutically equivalent and substantially cheaper than branded formulations
• GoodRx or RxSaver: Prescription discount platforms that negotiate reduced pharmacy pricing
• SAMHSA grants: Federal funding supports qualifying low-income patients seeking addiction treatment
• State-funded treatment programs: Many states allocate Medicaid or block grant funds specifically for opioid use disorder medications

Contact your prescribing physician about which suboxone alternatives align with your clinical needs while remaining financially accessible.

Other Suboxone-Related Services Cigna May Cover

Beyond the medication itself, Cigna often covers a range of complementary services that support your overall opioid use disorder (OUD) treatment. These may include counseling services, such as individual therapy, group sessions, and cognitive behavioral therapy, all of which address the psychological dimensions of addiction. Cigna may also cover detox programs, which provide medically supervised withdrawal management before you move on to Suboxone maintenance therapy.

Additional covered services can include:

• Psychiatric evaluations to assess co-occurring mental health conditions
• Medication management visits with your prescribing provider
• Intensive outpatient programs (IOPs) combining therapy and medical oversight
• Telehealth appointments for ongoing Suboxone monitoring

Review your specific plan documents or call Cigna directly to confirm which services your policy covers and whether prior authorization is required.

Frequently Asked Questions

Can Cigna Drop Suboxone Coverage Mid-Treatment Without Warning?

Cigna can modify its suboxone coverage policies, but it can't drop your coverage without notice mid-treatment. You're protected by continuity of care provisions that require advance notification of benefit changes. Treatment continuity challenges can still arise through formulary updates or prior authorization changes, so you'll want to review your plan documents carefully and consult your benefits coordinator if disruptions to your ongoing Suboxone treatment occur.

Does Cigna Cover Suboxone for Pain Management Rather Than Addiction?

Cigna typically won't cover Suboxone for pain management, as its primary FDA approval targets opioid use disorder. You'll find that Suboxone efficacy for chronic pain lacks sufficient clinical backing to meet Cigna's coverage criteria. Your plan directs you toward established pain management alternatives like other opioid analgesics or non-opioid therapies instead. Always verify your specific plan details, as coverage policies vary across Cigna's different insurance products.

Will Cigna Cover Suboxone if Prescribed by a Primary Care Doctor?

Cigna can cover Suboxone when your primary care provider prescribes it, provided they follow proper Suboxone prescription guidelines. Your doctor must hold a valid DATA-waiver certification to prescribe buprenorphine-based medications. You'll also need to meet Cigna's medical necessity criteria, which typically requires an opioid use disorder diagnosis. Always verify your specific plan's formulary requirements, as coverage details vary across different Cigna policies.

Can a Cigna Employer Plan Override Standard Suboxone Coverage Rules?

Yes, your employer's plan can override standard Suboxone coverage rules through employer discretion. Employer-sponsored plans often impose plan limitations that differ from Cigna's standard policies, potentially restricting or expanding coverage. Your employer selects specific benefit tiers, prior authorization requirements, and formulary inclusions. You'll want to review your Summary of Benefits and Coverage document or contact your HR department to understand how your specific plan handles Suboxone coverage.

Does Cigna Cover Drug Testing Required During Suboxone Treatment Programs?

Cigna typically covers drug testing when it's medically necessary for treatment program compliance within a Suboxone treatment plan. You'll find that drug testing policies vary based on your specific plan, so you should verify your benefits directly with Cigna. Your coverage may require prior authorization, and testing must align with your provider's documented clinical protocol. Out-of-pocket costs depend on your deductible and copay structure.