Today, I would like to let you how to save money on your prescriptions in the pharmacy.
This is only for anyone who has the prescription coverage and I will post for uninsured patients next time.
First of all, you need to find out if you have the prescription coverage with your insurance provider.
You have to be enrolled in prescription coverage, separately with health, dental and vision plan.
So, make sure if you received the prescription plan card from your employer or insurance agent.
And check if all your family members are on the list if you have family plan.
Second, keep your medication formulary list which is provided by insurance company, sometimes by mail or on internet site.
You can ask your doctor to prescribe lower tiers medications or generics to save money on your copay.
Third, if your copay is higher than you expected, ask to the pharmacy if they know the reasons. Maybe, you still have deductibles or in medical gap under your plan. Do not be upset with the pharmacy, they don't decide your copay, only your insurance plan does.
Keep in mind you might have deductibles in the beginning of the plan year.
Fourth, If it is still high copay and it is the brand name medication, you can search the manufacturer's voucher or coupon through the internet, from doctor's office or in the pharmacy. You should provide your personal info like name, phone number, email address etc. to activate it, but it worths!
Fifth, If your prescription is rejected by insurance due to prior authorization, your pharmacy will let your doctor know. Doctor's office will change the medication or try to get the pre-approval from your insurance company with all paper work. Please be patient for several days and follow up with pharmacy or doctor's office.
Sixth, If it is rejected by the reason 'product not covered', doctor can change medication or you can use Rx Discount card to lower you pot of pocket cost, which I will explain next time.
Thank your for reading my post.
