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Choose Your Plan
Step 3: Find out how much you have to pay when you fill a prescription.
Most plans require a co-payment for each prescription. Many plans have three or even four levels, or tiers, of co-payments that apply to different medicines. Find out what co-payment level applies to the medications you are taking by calling the plan or looking in the materials you received from them. If it is more than you can afford, you may want to ask your doctor if there are other medicines at a lower cost that would be appropriate for you.
| Step 1
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Find out if the health plan or PBM has a limited list of drugs it will cover. |
| Step 2
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Find out how to file an appeal if insurance will not pay for the medicine you need. |
| Step 3
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Find out how much you have to pay when you fill a prescription. |
| Step 4
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Find out if the health plan has to pre-approve certain drugs before you can fill the prescription. |
| Step 5
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Find out if you will be able to choose to get your prescriptions filled at a local pharmacy or if you will have to use a mail order service. |
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