“It was very difficult for consumers to get a more nuanced view of what their plans covered,” Pearson said. In some cases, a consumer would have to click six times to find drug coverage information. Even worse, no links to lists of covered drugs existed for some health plans.
That forced consumers to search insurance company websites, and, even if they found the covered drug lists, it could be tough to determine which lists went with the exchange plans they were comparing, Pearson said.
“Many chronic conditions rely on medications for management and to keep people out of the hospital,” Pearson said. “If your drug is not covered, then you’re responsible for the full cost or you have to switch to a different drug. The impact on the patient could be several thousands of dollars a year.”
Make sure you do your homework on drug coverage. The big issue of course, is you may not know you’re about to be diagnosed with a chronic condition, so how do you evaluate drug coverage in general?