Very complicated and confusing Scheme

Firstly, the average annual premium increase for 2026 is advertised as 9.6%, while 14.5% is the correct one for Fexifed 3! Secondly the info of the options (specifically Flexifed 3 Grid and Elect) is very very confusing. It states that the Elect option member must use "Scriptpharm network" pharmacies for chronic meds, BUT there is no such list available from them - only "Pharmacy network" list. Where do I get a "ScriptPharm" pharmacy list? If it is the same Pharmacies as the list on record, WHY use different descriptions? This is very confusing. Thirdly they make it SO complicated with the many different options available with different formularies, DSP's, limits, etc for every different option. You need to be an actuary to understand all the differences!