I Need A Specific Medication. Will It Be Covered?
If you’re one of the millions of people who rely on prescription drugs, you know how important it is to have insurance coverage. A one month prescription for a brand-name drug can be hundreds of dollars. If when you take more than one medication, costs can add up fast.
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No insurance plan will cover every medication on the market. So before you enroll in a health plan, make sure it covers the prescription drugs you need. You can do this by checking the plan’s formulary.
A formulary is a list of drugs that your plan will cover. Most health insurance companies keep their formularies online. You can also ask your insurance agent to find this information for you.
What if your medications aren’t covered? Many insurance plans don’t cover certain brand-name drugs, but do cover the generic equivalents of those drugs. Generic drugs contain the same active ingredients as their brand-name cousins, and cost a fraction of the price.
If you can’t find a plan that will cover your medications, consider a prescription drug discount card. These discount medical programs can save you money at participating pharmacies.
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