Work through coverage

Understand the approval step

Find out who sends the request, what the plan needs and what happens while you wait.

An approval request is about payment

A formulary is the medicine list for a particular plan. Prior authorization is a request for the plan’s agreement to pay, made before a pharmacy fills the prescription.

Keep the care question separate from the payment question in your notes. Ask the person writing your prescription why this treatment is being considered. Ask the plan what its request needs to contain.

Know who carries the request forward

  • Who prepares and submits the request?
  • What records are still missing?
  • Who will tell me when there is a reply?
  • Whom can I ask if the request appears to have stopped moving?

Ask for the current status in plain words. A message saying a request was sent does not tell you what the plan has decided.

If the reply is no, ask what it means

Request the stated reason. Ask the plan to explain the next available step, including whether more information or a review can be requested.

Ask the person writing your prescription what the reply means for your care and whether any records need to be explained.

The Medicare Bridge follows a different rule; this temporary program assists with payment for certain weight-loss medicines for people who qualify. It has no process for asking for a formal review of a refusal. The person writing your prescription can send the form again.

Keep a useful record

Save the request, the reply and any later instructions together. Beside them, keep the service’s answer about fees during the wait. This makes the next conversation easier to follow.