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hello this is dr eric bricker and thank you for watching a healthcare z today were going to be discussing medication formulary okay what is that a formulary is a list of medications that are covered by your insurance and thats super important because not all medications are actually covered by your insurance okay now the formulary is determined by something thats called the pharmacy benefits manager or the pbm for short so they actually are completely separate companies or departments within insurance companies that specifically determine pharmacy benefits and those are called pbms and its that pbm and your employer that determine what particular medications are not covered on your formulary so you need to check with your own plan either through hr or through the phone number thats on the back of your car specifically for the pbm oftentimes theres a different pbm phone number to call okay so your doctor does not know your formulary so dont even bother asking them right because t
