How do I know if a prescription drug is covered?
Before you fill a prescription, take these two steps to keep your costs as low as possible:
- Pick a pharmacy that is in-network.
- Check with your plan to make sure your prescription drug is covered.
All health insurance plans offered in the marketplace must cover prescription drugs. Each plan has a list of specific drugs that it covers.
Drugs that are on your plan’s drug list usually cost you less than drugs that are not on the list. It’s a good idea to ask your doctor or pharmacist if a drug is covered by your health insurance plan. You can also contact your health insurance company to see if a drug is covered by your plan.
Sometimes, a generic version of your drug is available. Generic drugs often cost you less money.
If you need a prescription drug that is not covered by your plan, you might be able to ask your doctor for a different drug. Your doctor can also ask your health insurance plan to make an exception and cover the drug.
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