PDP "Prior Authorization"

I’ve had this come up before on meds that needed prior authorization.  Call the pharmacy ahead on given prescriptions, and compare the cost with and without insurance using a discount drug code company.  Some don’t need prior authorizations.

     The pharmacy in my grocery store does not need prior authorization for a drug that my prescription drug plan did .  So I found out I could use a discount drug code plan instead of my insurance. So not only did I not need a prior authorization for the med on my prescription my doc wrote, I was able to use one of those discount drug codes (one called Hippo of all things), like GoodRx or SingleCare, etc…Pharmacy plugged all that in and boom, savings and no prior authorization.  Sometimes not using a carrier is cheaper and hassle free in some instances, but a little leg work in trying to get it done is needed, unfortunately.  Cost comparison and talking to pharmacy helped me on this, rather than insurance company.  
   
Edited to add:  Doesn’t work for all meds though.

A follow up on my experience to provide closure and perhaps reassurance to others facing the same situation. I was able to refill the medication requiring Prior Authorization shortly before the end of the year in order to provide a short buffer while the new carrier reviewed my case. I also discussed my Authorization concerns with my treating physician ahead of the changeover who was prepared to submit the requested information as soon as my new carrier was active. As a result, the Prior Authorization was approved before I needed a refill of the tier 3 prescription. While every case is unique, I would suggest that others experiencing the same engage with their caregivers ahead of the carrier change, promptly submit the required medical information and attempt to secure enough of the medication ahead of time to last through the approval period.