Check your insurance policy’s formulary. This document lists covered medications and their specific coverage levels. Look for “tadalafil,” Cialis’s generic name. Many plans cover generic tadalafil at a lower cost than brand-name Cialis.
Prior Authorization
Some insurance companies require prior authorization before covering Cialis, even the generic version. This means your doctor needs to submit additional paperwork justifying the prescription’s necessity. Contact your insurance provider to confirm whether prior authorization is needed and what steps your doctor must take. Obtain pre-authorization *before* the online prescription is filled to avoid delays and extra costs.
Mail-Order Pharmacies
Many insurance plans offer lower costs for medications ordered through their preferred mail-order pharmacies. If your plan works with online pharmacies, using this option might reduce your out-of-pocket expenses. Verify your plan’s partnership with specific online pharmacies to determine eligibility.
Cost-Sharing
Your copay, coinsurance, and deductible will influence your final cost. Understand your plan’s specific cost-sharing structure for medications. High deductible plans, for example, may require you to pay a significant amount before insurance coverage kicks in. Comparing the costs of filling your prescription through different routes – online versus local pharmacy – is recommended to determine the most affordable approach.
