When choosing health insurance or trying to get coverage for your prescription medications, it is important to understand that gone are the days when your insurance company would pay for any and all medications any time you need them. Insurers offer a number of different products, all with different hurdles and rules that may require that you pay more for the very medications that are best for you.

Learning what your insurance company requires and what your rights are in your state is an important part of advocating for yourself. Listed below are state-by-state documents that explain the details of every state's medication insurance rights policies. Each document is set up in a question and answer format to explain types of coverage, brand name versus generic medications, drug lists, changing or "switching" medications on the list, costs, limitations/prior approval and appeals. The pieces also include important contact information and sample letters to customize and use when either protesting a medication being changed on or switched from an approved list or appealing a coverage decision regarding a specific medication.
 

Alabama	Indiana	Nebraska	South Carolina
Alaska	Iowa	Nevada	South Dakota
Arizona	Kansas	New Hampshire	Tennessee
Arkansas	Kentucky	New Jersey	Texas
California	Louisiana	New Mexico	Utah
Colorado	Maine	New York	Vermont
Connecticut	Maryland	North Carolina	Virginia
Delaware	Massachusetts	North Dakota	Washington
Florida	Michigan	Ohio	West Virginia
Georgia	Minnesota	Oklahoma	Wisconsin
Hawaii	Mississippi	Oregon	Wyoming
Idaho	Missouri	Pennsylvania
Illinois	Montana	Rhode Island

These documents were researched and written by attorney Astrid Meghrigian.