Which statement about drug tiers is true?

Lower-tier drugs typically include more generics, which often results in lower co-pays and decreased out-of-pocket costs for members. Generic medications are generally placed in the lower tiers to encourage their use due to their affordability compared to brand-name counterparts. This tier system is strategically designed to improve access to necessary medications while managing costs for both the plan and its members.

The other choices do not accurately depict the tier structure. Higher-tier drugs usually have higher co-pays since they often consist of brand-name medications or specialty drugs. Grouping all drugs into a single tier would eliminate the benefits of the tiered system, which is designed to guide members towards more cost-effective options. Additionally, tier options can vary significantly across different plans, reflecting the individual plan's formulary and pricing strategies, which means they are not uniform for all plans.