Check your insurance plan’s formulary. This document lists covered medications and their cost-sharing levels (copay, coinsurance). Many major insurers cover prescriptions filled through reputable online pharmacies, provided they’re accredited and follow proper procedures.
Confirming Pharmacy Network Participation
Verify if the online pharmacy is in your insurance company’s network. In-network pharmacies typically offer lower costs. Contact your insurer directly – their phone number and website usually provide tools to search for participating pharmacies.
Prescription Drug Plans and Mail-Order Options
Many plans offer mail-order prescription services. These often require larger quantities (e. g., 90-day supplies), potentially lowering per-unit costs. See if your online pharmacy offers integration with your mail-order program. Compare pricing between in-network online pharmacies and mail-order options.
Prior Authorizations and Other Requirements
Some medications necessitate prior authorization from your insurer before coverage. This process involves your doctor submitting documentation to justify the prescription. Expect delays if a prior authorization is required, and check the status using your insurance portal or by contacting your insurer. Be aware of any other requirements your plan might have, like step therapy or quantity limits.
