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FREQUENTLY ASKED QUESTIONS

PRIOR AUTHORIZATIONS, What Are They?
WHY DIDN'T MEDICARE COVER MY  PRESCRIPTIONS?

WHAT IS A PRIOR AUTHORIZATION ?

A small number of medications in some insurance plans will be covered by the insurance only if your Doctor requests AUTHORIZATION PRIOR TO WRITING THE PRESCRIPTION. If the Doctor has not requested the authorization, we will receive a notice from your insurance company asking us to contact your Doctor's office to start the process if they have not already done so.

WHAT HAPPENS NEXT?

The Doctor will request a Prior Authorization from your insurance company. The will generally notify the Doctor's office anywhere from 2 hours to 3 days later with a decision. If the medication is approved, the Doctor contact us and we will bill the prescription for you as usual.

The Doctor may refuse to call for an authorization or it may be denied by your insurance company. If that happens, the Doctor will either change the medication to something that is covered or let you know that your prescription will remain as it was writtne and you will be responsible for the entire cost of the medication.

MY PRESCRIPTION WAS NOT COVERED BY MEDICARE. WHAT DO I DO NOW?

Medicare Prescription Drug Coverage and Your Rights

You have the right to get a written explanation from your Medicare drug plan if:

your doctor or pharmacist tells you that your Medicare drug plan will not cover a prescription drug in the amount or form prescribed by your doctor

you are asked to pay a different cost-sharing amount than you think you are required to pay for a prescription drug

The Medicare drug plan’s written explanation will give you the specific reasons why the prescription drug is not covered and will explain how to request an appeal if you disagree with the drug plan’s decision.

You also have the right to ask your Medicare drug plan for an exception if:

you believe you need a drug that is not on your drug plan’s list of covered drugs. The list of covered drugs is called a "formulary;" or

you believe you should get a drug you need at a lower cost-sharing amount.

What you need to do:

contact your Medicare drug plan to ask for a written explanation about why a prescription is not covered or to ask for an exception if you believe you need a drug that is not on your drug plan’s formulary or believe you should get a drug you need at a lower cost-sharing amount

Refer to the benefits booklet you received from your Medicare drug plan or call

1-800-MEDICARE to find out how to contact your drug plan when you contact your Medicare drug plan, be ready to tell them:

1. the prescription drug(s) that you believe you need

2. the name of the pharmacy or physician who told you that the prescription drug(s)is not covered

3. the date you were told that the prescription drug(s) is not covered


9 Bayshore Plaza (Highway 36 and First Ave), Atlantic Highlands NJ 07716    Phone: (732)-291-2900 Fax: (732)-291-9822