[bremenboy]

**Thanks to the experts who answered, at least with an option, what you do if one day you are prescribed an additional drug that is not in the formulary (i.e. switch companies during new enrollment period). ***

That would be one choice however all plan cover all categories of drugs except those prohibited by Medicare.

example you go to the doctor and the doc decides that you need to be on a cholesterol drug like Crestor your plan doesn't have Crestor in the formulary but is contains Lipotor. You have a choice to take the one that is not in the formulary or ask your doctor to put you on the one that is. This is why you need to check your meds with the formulary before you sign up. Going from one drug that you are on to anthotor may not be as easy. But if you are going to a new med to begin with then take the one that is in the formulary already.

The Formulary is one of the ways the insurance company can help keep cost down if a drug company wants their drug in the list then they must lower the cost or offer rebates.

[LZ_Bayonet]

Thank you! That question (a new drug prescribed) came to mind and I did a lot of surfing looking for an answer I never found. I also tried calling Humana, but the phone line was always busy.

Then I said, "The heck with it! The government is putting out most of the money for this Part D stuff. Who cares how much this stuff costs!" ;-)