What to Ask About Your Prescription Drug Benefit

* What is your co-payment?

* Does the co-payment vary depending on whether you take a generic or brand-name medication?

* Does the plan have a formulary, or approved list of drugs?

* May I see the formulary list?

* What if I need a drug not on the formulary? Is it available, and if so, what is required to obtain it?

* What happens if the plan drops a medication I’m taking from its formulary?

* Are there restrictions on where I can purchase medications?

* Does the plan keep records of all my prescriptions in case two medications I’m taking would interact?