Are all prescription drugs covered under health insurance plans?
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Asked July 21, 2010
While prescription drugs are covered under all health insurance policies, the opposite cannot be said to be true. Your doctor could prescribe a medication that is not covered under your insurance for a number of reasons.
One reason that a prescription drug may not be covered is if the drug is experimental. Insurance companies are reluctant to assume the risk of supplying this type of medication, and a special waiver may be required before it can be accepted. Similarly, drugs that have become controversial for health reasons may be removed from an approved list of prescription medication.
Many health plans cover a part of the costs of prescription drugs, but not all of them. For that, you may need to investigate an insurance rider or secondary policy that covers your prescriptions more completely. In most cases, you can have a secondary prescription policy without any impact on your regular health insurance policy.
Answered July 21, 2010 by Anonymous