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I have insurance

I need a medication but my insurance refuses to cover it

You can:

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Find out why the drug was denied.

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Ask your insurance provider for an exception or ask your doctor to request one for you.

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If you’re insured through work, contact your company’s human resources department for guidance.  

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Reach out to the drug maker’s patient assistance program.

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Try step therapy, which involves first using other, less expensive medicines. If those don't work, your doctor can ask your insurer to cover the more expensive drug.

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File an appeal if your insurer continues to deny your request.

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Ask your doctor for free samples of the medicine.

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Ask your doctor to prescribe a drug that’s covered by your plan.

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Pay for the drug out of pocket. GoodRx and WellRx can help you compare prices.

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Investigate discount drug options at chains such as CVS, Target, Walgreen’s, and Wal-Mart.

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Contact your state’s consumer assistance program.

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Did you know?

Increasing out-of-pocket costs by just $10 per prescription causes a 33% rise in mortality because fewer patients take the drugs their doctors prescribe.

Source: National Bureau of Economic Research, https://www.nber.org/papers/w28439Get involved