Which statement about non-formulary drugs is true?

Which statement about non-formulary drugs is true?

• A. They are always covered without restrictions.
• B. They are not on the plan's preferred list and usually more expensive or not regularly stocked.
• C. They are limited to over-the-counter medications.
• D. They are the main way plans save money.

Answer: (B)

Understanding formulary status is key. Non-formulary drugs are not included on the plan’s preferred list, so they don’t benefit from the plan’s negotiated discounts and routine stocking. Because of that, they are usually more expensive or not regularly stocked at pharmacies, and coverage may require authorization or may be less predictable. The other statements don’t fit: non-formulary drugs aren’t guaranteed to be covered without restrictions, they aren’t limited to over-the-counter meds, and they aren’t the main way plans save money—the savings come from using the formulary and its negotiated prices.

Understanding formulary status is key. Non-formulary drugs are not included on the plan’s preferred list, so they don’t benefit from the plan’s negotiated discounts and routine stocking. Because of that, they are usually more expensive or not regularly stocked at pharmacies, and coverage may require authorization or may be less predictable. The other statements don’t fit: non-formulary drugs aren’t guaranteed to be covered without restrictions, they aren’t limited to over-the-counter meds, and they aren’t the main way plans save money—the savings come from using the formulary and its negotiated prices.