How to Find Formulary Coverage

Health insurance companies vary widely in the type of prescription drugs they cover. The formulary is the list of drugs that a health insurance provider will cover as well as under what restrictions those drugs will be covered. For example, there may be restrictions on the frequency of the prescription or you might be required to accept a generic version of the drug. Luckily, there is an easy to use online tool that will help you determine your health insurance policy's formulary coverage.

Things You'll Need

• Your health insurance card
• The names of the drugs you want to check

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Instructions

• 1

  Access the website Fingertip Formulary. On the home page under "Select Drug," select the first letter of the name of the drug you want to check coverage on.

• 2

  Choose the name of the drug from the list that appears on the next page.

• 3

  Select the name of your state on the next page.

• 4

  On the next page, under "Select Health Plan," choose "Medicare Plans" if you are on Medicare. Otherwise, choose your plan's name from under the "Non-Medicare Plans" list that matches the name on your insurance card.

• 5

  View the results of the formulary coverage for this drug under your health-care plan. From this page you can view the tier of coverage, any restrictions on the coverage and any additional information. Click on the tier information to find out what level of co-pay you will have to pay for this drug.