My insurance company dropped my most expensive drug from its preferred list. Can I change plans?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 15, 2021
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Every carrier must provide a complete list of how they cover their prescriptions: as generic, or formulary, or brand-name nonformulary. (Sometimes called Tiers 1,2, and 3 respectively.) Complete open enrollment begins November 15 and ends December 31 of every year. If a company makes a mid-year change that causes a hardship, you are entitled to apply for a hardship enrollment change and move companies.