Check your insurance plan’s formulary. This document lists covered medications and their cost-sharing levels (copay, coinsurance). Many plans cover Lexapro, but your specific out-of-pocket expense depends on your plan’s tier system. Generic escitalopram is often cheaper than brand-name Lexapro.
Prior Authorization
Some plans require prior authorization before covering Lexapro. This involves your doctor submitting paperwork justifying the prescription. Contact your insurance provider directly to verify whether prior authorization is needed for your plan. Their website or member services line can provide this information quickly.
Finding Affordable Options
If Lexapro’s cost is high, explore options. Manufacturer coupons can reduce the price. Your pharmacy may also offer patient assistance programs reducing costs for those who qualify based on income and other factors. Compare prices across different pharmacies, as pricing varies.
Understanding Your Costs
Your out-of-pocket cost will vary based on your plan’s deductible, copay, and coinsurance. Your deductible is the amount you pay before insurance coverage kicks in. Your copay is a fixed amount you pay per prescription, while coinsurance is a percentage of the cost you pay after meeting your deductible. Review your Explanation of Benefits (EOB) statement to understand your expenses clearly.
Contact Your Provider
Don’t hesitate to contact your insurance company directly. They can provide the most accurate information about your specific coverage and any requirements for Lexapro.
Generic Alternatives
Consider a generic alternative. Escitalopram, the generic form of Lexapro, offers the same active ingredient at a significantly lower price. Discuss this option with your doctor to ensure it’s suitable for you.
