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Bonnie is trying to understand how a formulary (drug list) works. She's been doing some research and made notes to discuss with you. Which of Bonnie's notes about formularies is NOT accurate? Select the correct answer. Health insurance plans use the terms 'formulary' or 'drug list' to describe the list of prescription drugs that they cover. A formulary includes details about the copayment the consumer pays for each type of covered drug. If the health insurance plan uses 'tiers,' the formulary will list which drugs are included in each tier. In general, a tiered formulary encourages consumers to select higher-cost drugs, such as brand-name drugs