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“An educated consumer is our best customer.” That clever slogan popularized by New York clothing discounter Syms might work just as well as a catchphrase for benefits administrators aiming to influence the way employees use their company health plans this year. When employees at Ruby Tuesday are prescribed a new medication, for instance, they’re encouraged to go online, either to the company’s internal Web site or to that of health benefits administrator Cigna Corp., to weigh the pros and cons of using a generic version. With the lower-priced option, employees can fund up to $10 of 10% of the total price, instead of the minimum 25% co-pay.

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