Another question about the PHP high deductible plan:

Q. Will PHP cover specialty drug (the really expensive ones) at 100% after you have met the $2500 deductible/out-of-pocket in the HDHP?
A. Yes. All medical expenses are covered at 100% after meeting the deductible/out-of-pocket. There are no co-pays from that point on. This has the potential of being a real savings for folks taking those unique meds.