Check your insurance plan’s formulary to see which medications are covered and at what cost. Most major insurance providers cover prescriptions filled through accredited online pharmacies.
Many plans use a prior authorization process for certain drugs. This means your doctor needs to request authorization before your insurance covers the medication. Confirm this process with your insurer Before ordering.
Understand your plan’s copay and coinsurance. Your copay is a fixed amount you pay per prescription, while coinsurance is a percentage of the cost you pay after meeting your deductible.
Mail-order pharmacies, often affiliated with insurance providers, may offer lower costs for a 90-day supply. Compare prices between your online pharmacy and your insurance’s mail-order option.
Online pharmacies often provide tools to estimate your out-of-pocket costs based on your plan information. Use these tools for accurate price comparisons.
Ensure your chosen online pharmacy is licensed and accredited by relevant organizations like the National Association of Boards of Pharmacy (NABP) for safe medication sourcing. This protects your benefits and health.
| Formulary Coverage | Verify your medication’s inclusion in your plan’s formulary. |
| Prior Authorization | Check for prior authorization requirements and initiate the process early. |
| Cost-Sharing | Clarify copay, coinsurance, and deductible amounts. |
| Mail-Order Options | Explore cost savings with your insurance provider’s mail-order pharmacy. |
| Pharmacy Accreditation | Choose an online pharmacy with proper accreditation. |
Contact your insurance provider’s customer service for detailed coverage information related to online pharmacies. They can answer specific questions about your plan.
