Скачать или смотреть Ever wondered why some medications are covered by your insurance and others aren't?

What's a Formulary?

Think of it like a menu of medications your insurance plan agrees to cover. It's a list of prescription drugs, both generic and brand-name, that your insurer has negotiated prices for with pharmaceutical companies.

Why Does it Matter?

The formulary determines:

-Cost: Medications on the formulary will typically have lower out-of-pocket costs for you.
-Coverage: Medications not on the formulary may not be covered at all, meaning you'd have to pay full price.
-Treatment options: Your doctor might need to prescribe a different medication if your preferred choice isn't on the formulary.

How to Use the Formulary:

-Find it: Your formulary is usually on your insurer's website or in your plan documents.
-Check it: Before filling any new prescription, look up the medication to see if it's covered and what "tier" it falls under (tiers determine your copay).
-Talk to your doctor: If a medication isn't covered, your doctor can often suggest alternatives that are on the formulary.

Pro Tip: Formularies can change, so it's a good idea to check it regularly, especially if you're starting a new medication.

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