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:

  1. Pick a pharmacy that is in-network.
  2. 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.

Get Started

Sign up to learn more about your health insurance options

Your Health. Your Choice.

Enroll Now

We're here to help you on your journey to get covered. We’ll connect you to your state's Health Insurance Marketplace and let you know what to expect once you get there.

Get Enrolled

About Us

Our passionate staff is dedicated to helping people learn their health insurance options.

Volunteer With Us

Get Covered America is a grassroots campaign powered by volunteers. Sign up now to volunteer!

Image of an assister helping someone get enrolled with health insurance

Partner with Us

If you're an organization interested in partnering with us, you can learn about opportunities here.