I need a medication but my insurance refuses to authorize it

You can:

  • Find out why the drug was denied.
  • Ask your insurance provider for an exception or ask your doctor to request one.
  • If you’re insured through work, contact your company’s human resources department for guidance.  
  • Contact the drug maker’s patient assistance program.
  • Try step therapy, which involves trying other lower-cost medications for your condition first. If it doesn’t work, your doctor can ask your insurance provider to cover the more expensive drug. 
  • File an appeal if your insurer still denies your request.
  • Ask your doctor for samples of the medication.
  • Ask your doctor to prescribe a drug that’s covered by your plan.
  • Pay for the drug out of pocket. GoodRx and WellRx can help you compare prices.
  • Investigate discount drug options at chains like CVS, Target, Walgreen’s, or Wal-Mart.
  • Contact your state’s consumer assistance program.