One recent trend in managed care plans is a three-tier pricing system for prescription drugs. Which of the following statements is (are) true with respect to the three-tier pricing system? I. Employees must pay a higher copayment if a brand-name drug is used rather than an available generic drug. II. The copayment for a brand-name drug is higher if the drug does not appear on an approved list of drugs called a formulary. II only Neither I nor II I only Both I and II