My Coverage Explained
I’m trying to pick up my new prescription, but now my pharmacist is saying I need a prior authorization approval. At first I thought I might lose it because I thought I couldn’t get my drugs. But, after talking with my pharmacist, it all made sense. Here’s what I’m told about prior authorization programs:He said my doctor will need to send a request form to my insurance company for approval. If the prior authorization request is approved, I’ll pay for my share of the drug using my prescription drug benefit. If it isn’t, then I’ll have to pay all costs myself and won’t be able to use my prescription drug benefits. Or, I can always ask my doctor if there is some other drug that might be right for me.Here’s what I learned about why only certain drugs are in the program:Prior authorization is a way for your insurance company and your doctor to make sure you are taking the drug safely and in the best way. It is meant to promote safe, cost-effective drug use. Only a select number of prescribed drugs (those that are expensive and often abused) need this kind of pre-approval. Believe me, you’ll have to pay the full cost for your prescription drugs if the prior authorization request hasn’t been sent and approved--and that’s never fun!Here are some tips to follow before going to the pharmacy:
Note: A special requirement notice will appear if your drug needs a prior authorization.
If your prior authorization request is approved, it is approved for a fixed amount of time, usually six months or up to a year. So, you will not need to submit a new request with every prescription fill. Before your prior authorization approval will expire, you may be notified up to 45 days before that date (for most requests). These alerts are sent by letter, but you can sign up to get them via email or text message on the MyPrime.com website, under the communications preference on your profile.
Last Updated: 3/20/19
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