What should I do if my prescription is not covered?

If a prescription is not covered by CIGNA, there are several steps an individual may take to address the situation. First, it is advisable to review the specific details of the insurance plan to determine whether the medication is included on the formulary or list of covered drugs. Each plan may have different coverage criteria, so understanding the specifics can help clarify the situation. If the medication is indeed excluded, one option is to discuss alternatives with the prescribing physician. The doctor may be able to suggest a different medication that is covered or provide a suitable alternative that could effectively treat the condition. Additionally, individuals may consider speaking with a pharmacist, who can often provide insights into lower-cost options or generic alternatives that might be available and covered under the insurance plan. In some cases, if the individual believes the medication is medically necessary, they can inquire about the possibility of submitting an exception request or prior authorization through CIGNA. This would involve providing documentation and a rationale for why the medication is essential for treatment. For specific information related to policies or to seek further assistance, individuals can refer to the contact information available on the current CIGNA website.