How Do I Know if My Medications and Drugs Are Covered by Insurance?

Prescription drug coverage varies by health plan and may not cover all prescribed medications, leading many to skip or alter doses due to cost. Formularies list covered drugs, often in tiers, but coverage may require prior authorization, step therapy, or have quantity limits. Biosimilars, similar to biologics, can be lower-cost alternatives. If a drug isn't covered, doctors can request formulary exceptions, and patients can appeal denials.