What Happens to My Prescriptions When My Insurance Changes

Insurance changes can be a part of life, whether due to a new job, a different insurance provider, or a change in coverage. When your insurance changes, it’s natural to have questions about how it will affect your prescriptions and medication costs. In this comprehensive guide, we’ll address common concerns and provide you with insights on what happens to your prescriptions when your insurance changes.

Understanding the Impact of Insurance Changes on Prescriptions

Before we dive into the details, let’s understand the potential impact of insurance changes on your prescriptions.

1. Formulary Changes

Different insurance providers often have their own formulary, which is a list of medications they cover. When your insurance changes, your new provider may have a different formulary, which could affect the availability and cost of your medications.

2. Prior Authorization

Some medications require prior authorization from your insurance provider before they are covered. An insurance change may necessitate going through the authorization process again.

3. Copay and Deductible Changes

Your copayments and deductibles for prescriptions may change with your new insurance plan. This can impact how much you pay for your medications.

4. Network Pharmacies

Your new insurance plan may have a network of preferred pharmacies. Using pharmacies outside this network may result in higher costs.

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What to Do When Your Insurance Changes

5. Review Your Formulary

As soon as your insurance changes, review the new formulary provided by your insurer. Check if your current medications are still covered and if there are any restrictions.

6. Consult Your Healthcare Provider

If your medications are no longer covered or if there are significant cost changes, consult your healthcare provider. They can help you explore alternative medications or request exceptions.

7. Prior Authorization

If prior authorization is required for your medications, initiate the process promptly to avoid disruptions in your treatment.

8. Check Copayments and Deductibles

Understand how copayments and deductibles may change with your new insurance plan. This will help you budget for your medication expenses.

9. Explore Preferred Pharmacies

If your new insurance plan has preferred pharmacies, consider using them to maximize cost savings.


In conclusion, when your insurance changes, it’s essential to be proactive and informed about how it will impact your prescriptions. Review the formulary, consult your healthcare provider, and stay on top of any prior authorization requirements. By taking these steps, you can ensure a smooth transition and continued access to the medications you need.


  1. Will my new insurance cover the same medications as my old insurance?
    Not necessarily. Different insurance providers have different formularies, so it’s essential to check the new formulary to see if your medications are covered.
  2. What should I do if my medications are no longer covered by my new insurance?
    If your medications are no longer covered, consult your healthcare provider. They can help you explore alternative medications or request exceptions from your insurance provider.
  3. How can I find out if my new insurance requires prior authorization for my medications?
    Contact your new insurance provider or check their website for information on prior authorization requirements. Your healthcare provider can also assist you with this process.
  4. Can I still use the same pharmacy with my new insurance?
    It depends on your new insurance plan. Some plans have a network of preferred pharmacies, and using them may result in lower costs. Check with your insurer to see if your current pharmacy is in-network.
  5. What if I have a medical condition that requires specific medications?
    If you have a medical condition that necessitates specific medications, work closely with your healthcare provider and insurance provider to ensure continuity of care. They can help you navigate the transition effectively.
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