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What is "Step Therapy"?
When searching for drugs on Medicare's "Formulary Finder" tool, a few people asked that we explain the term "Step Therapy" listed under the heading of "Limitations/Restrictions".
Step Therapy is a process whereby prescriptions are filled with an effective, but more affordable medication (Step 1). When appropriate, a more costly (Step 2) medication can be authorized if the Step 1 prescription is not effective in treating the condition.
In other words, Step 2 prescription drugs will not be covered until Step 1 prescription drugs are first tried.
Step Therapy is employed by some companies to help control Medicare Part D plan costs without jeopardizing the health of their plan participants.
Last updated on: 07/05/2009
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Life Insurance plays an important role in your families financial stability.
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