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How do I get prescriptions through my health insurance?

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At the pharmacy, give your insurance card to the pharmacist so she'll know how to bill your insurance company. Depending on your plan, you might have a separate card for prescriptions. You'll usually have to pay part of the bill for your medicines. Keep in mind that you'll pay less for generic drugs than for brand-name drugs. If it is a long term medication, you may want to fill a 3 month prescription at once which is usually cheaper than monthly re-fills.

Your insurance company has a list of the drugs that it covers. This list is called a formulary. You can find it online or call your insurance company to make sure the drugs prescribed by your doctor are covered. If they aren't, talk to your doctor about similar drugs you could take.

From: How to Use Your Health Insurance WebMD Medical Reference

SOURCES:

Institute of Medicine: "Helping Consumers Understand and Use Health Insurance in 2014." 

Institute of Medicine: "Let's Ask 4?s"

Reviewed by Amita Shroff on July 16, 2018

SOURCES:

Institute of Medicine: "Helping Consumers Understand and Use Health Insurance in 2014." 

Institute of Medicine: "Let's Ask 4?s"

Reviewed by Amita Shroff on July 16, 2018

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