Does cigna cover lo loestrin fe?

If you’re like most people, you probably have questions about your health insurance coverage. When it comes to birth control pills like Lo Loestrin Fe, there’s no exception. This article will answer the question of whether or not Cigna covers this popular form of birth control.

Let’s Get Right Down to Business

The short answer is yes! Cigna does cover Lo Loestrin Fe as long as it is prescribed by a physician and filled at an in-network pharmacy. However, there may be some confusion due to a recent change in how pharmacies use “dispense as written” (DAW) codes.

Dispensing Drama

Recently, some pharmacies were switching the DAW code on Lo Loestrin Fe prescriptions from “brand necessary” to “generic allowed.” This meant that pharmacists could substitute the generic version without prior authorization from the prescribing doctor.

This caused quite a stir amongst patients who had been specifically prescribed brand-name Lo Loestrin Fe, either for medical reasons or because they preferred it over the generic alternative. Many didn’t even realize their prescription had been changed until they received a lower-priced medication that wasn’t what they had originally requested.

The Solution

Thankfully, Cigna has since cleared up any confusion by issuing new guidelines stating that all prescriptions for brand-name contraceptives must be filled with the same DAW code assigned by the prescribing doctor. This ensures that patients receive exactly what was intended when their prescription was written.

In case you’re unfamiliar, let me give you a quick rundown on what makes this particular contraceptive pill so popular:

  • It contains both estrogen and progestin hormones
  • Compared to other low-dose options, LO LOESTRIN FE has fewer hormone-free days each cycle
  • It is intended to be taken every day without break, even during menstruation

Because it’s so effective and easy to use, Lo Loestrin Fe has become a go-to choice for many women looking for an effective birth control option.

Of course, if you’re considering Lo Loestrin Fe, cost will also be a factor in your decision. Let’s take a quick look at how Cigna approaches this aspect of coverage:

  • For patients with a traditional PPO plan or CDHP plan with prescription benefits: the cost of LO LOESTRIN FE should fall into one of three tiers based on which “formulary” – or drug list— covers it.
  • If you have the Short-term medical insurance plus offering from Cigna: These plans are not required by law to cover these types of preventative services, including contraceptives (including brand-name varieties like Lo Loestrin Fe).

So as long as you’re under one of the first two categories mentioned above, your out-of-pocket costs will depend on your specific plan and deductible levels.

Insurance Jargon Alert!

Bear with me while I navigate some tricky insurance terminology involving ‘Tiered Drug Coverage’. Here’s what each tier means:
1) Tier 1: Preferred Generic Drugs
2) Tier 2: Non-preferred Generic Drugs
3) Tier 3: Preferred Brand Name Drugs
4) Tier 4: Non-preferred Brand Name drugs

In most cases where Lo Loestrin Fe appears in cignas formularies – it falls neatly into either tier 3 / tier four tier depending on whether there are generic alternatives available. That being said check cigna’s lists regularly! You never know when some new information may show up.

Remember that there are many different birth control options available, including pills, patches, IUDs and more. If Lo Loestrin Fe isn’t quite the right fit for you – or if it’s too expensive under your specific insurance plan – don’t worry! There may be other affordable options that still offer excellent contraception benefits.

No matter what option you choose, remember to consult with your doctor before making any changes about which contraceptive method works best for you!.

In conclusion: don’t worry- Cigna covers LO LOESTRIN FE as long as it is prescribed by a physician and filled at an in-network pharmacy with DAW codes correctly assigned.

Random Posts