In my case pharmacare pays 70% when I hit $3000 deductible and 100% when i reach about $3800, on the drugs they cover. There are lots of drugs not covered by pharmacre, like Detrol la
, tramacet, pantoloc, etc. Gabapenton is covered, and Rebif is covered by special authority, which is a good thing, as it costs almost $2000 a month.
Your pharmacy will only charge you the amount not covered by fair pharmacare.
Pharmacare will not pick up the 20% your husbands plan doesn't pay.