How does Pharmacy Coverage work? Deductible Contribution Insurance Coverage The total amount owed will then count The pharmacy will run your prescriptions towards your deductible. through insurance and the total amount due is owed to the pharmacy. Deductible Reached Once you reach the deductible amount, you will then pay your coinsurance %. Medical ID Provide the pharmacy with your medical ID card. Out-of-Pocket Max Once you reach your total out-of-pocket max, your employers will pay 100%.