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Home > Blog > Does My Health Insurance Cover Prescription Drugs? - InsurePro LLC
WEDNESDAY, AUGUST 25, 2021

Does My Health Insurance Cover Prescription Drugs?

Having a health insurance policy that covers doctor and hospital visits is crucial for staying in good health, but prescription drug coverage is another important consideration. Do you know if your new health insurance policy covers your prescription drugs, and at what cost to you? 
Doctor Standing
The quickest way to learn more about what your healthcare covers is to visit your insurance provider’s website. There you can review the preferred drug section, also called a formulary, which is a list of prescription drugs that are covered under your policy. You can also call your insurance provider or review the welcome packet they mailed to you for details on covered medications. 

Most healthcare plans have three tiers of prescription drug coverage. Taking medications on tier 1, which are often generic, comes with the financial benefit of lower copays. Tier 2 medications are preferred brand-name drugs, and they come at a higher cost to you. Tier 3 medications are all other varieties that are not preferred, resulting in the highest cost to you. 

When visiting your doctor, you can provide him or her with a copy of your healthcare plan’s formulary to see if it’s possible to be prescribed with medications that come at the lowest cost to you. You can often save money by taking a generic drug, while still receiving comparable benefits. 

Have you found that the combination of your health insurance policy and your doctor’s knowledge of prescription drugs have helped you save money? Let us know in the comments. 

Posted 5:29 PM

Tags: health insurance
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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by InsurePro LLC to provide information that may be of interest. InsurePro LLC is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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