This document discusses key differences in pharmacy benefit contract provisions that can impact costs. Specifically it addresses: 1) Whether the plan pays the pharmacy's usual and customary price when it is lower than the PBM's discounted price. 2) If the plan always has zero claim cost liability when the copay covers the full prescription cost. 3) If single source generics are excluded from the generic discount rate and if so, whether those exclusions are limited to the initial 180 day period. 4) If brand discounts include single source generics excluded from the generic discount.