At a formal marketing/sales event, an agent presented information about prescription drug coverage.

At a formal marketing/sales event, an agent presented information about prescription drug coverage. Which statement is not accurate? Drugs covered by the plan are listed in the formulary, which may vary by plan Covered drugs are placed in tiers, with Tier 1 generally being the lowest cost and Tier 5 the highest cost The coverage stages include deductible, initial, coverage gap, and catastrophic Some medications have utilization management rules, such as step therapy and quantity limits Members and providers are not able to ask the plan for exceptions to any utilization management rules