All health insurance plans at Healthcare.gov are legally required to cover a series of essential health benefits, including prescription drugs.
Essential benefits mean that your insurance will pay for some prescriptions, but how much and which drugs depend on the list of medications in your plan’s “formulary,” which are the medications your insurance company is willing to cover. If a drug you need is not in the formulary, your doctor can select a different one or can file paperwork to apply an exception for you.
All health insurance plans at Healthcare.gov are legally required to cover a series of essential health benefits, including prescription drugs. Essential benefits mean that your insurance will pay for some prescriptions, but how much and which drugs depend on the list of medications in your plan’s “formulary,” which are the medications your insurance company is willing to cover. If a drug you need is not in the formulary, your doctor can select a different one or can file paperwork to apply an exception for you. Drug formularies will vary, but most include five common tiers.
