Sun life drug exception application form 2025

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A non-formulary drug refers to any medication that isnt included on your health insurance plans formulary. These drugs are oftentimes not covered meaning that you will likely have to pay the full price unless you take steps to request coverage.
The exception process can be used to override benefit limits that are based on U.S. Food and Drug Administration (FDA)-approved durations of treatment or maximum dosing limits. A plan may limit drug benefit coverage to FDA-approved durations or dosing.
Formulary exclusions are drugs that a PBM chooses not to be included in coverage. Usually, a PBM will contract with multiple insurance providers to manage their prescription benefits. A provider can choose not to follow their PBMs formulary exclusion list if they wish to cover a drug.
If you need a medication that is not on your plan list, you can formally ask your insurer to cover the medication for you by submitting a formulary exception. Once the exception is filed, the plan should provide a decision within 72 hours.
Claims submitted either through the my Sun Life mobile app or through the web are usually settled promptly. If approved, any reimbursement amount is usually deposited into your bank account within 2 business days, if youre signed up for direct deposit.
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In some cases, if your drug is in a higher tier and your prescriber thinks you need that drug instead of a similar drug in a lower tier, you or your prescriber can ask your plan for an exception to get a lower coinsurance or copayment for the drug in the higher tier. Plans can change their drug list at any time.
Waiver of Premium is a provision that continues your Group Life premium payments if you become totally disabled. If you become totally disabled and your Waiver of Premium claim is approved by Sun Life, we will continue your Life insurance coverage without further payments from you or your employer.
A formulary exception should be requested to obtain a Part D drug that is not included on a plan sponsors formulary, or to request to have a utilization management requirement waived (e.g., step therapy, prior authorization, quantity limit) for a formulary drug.

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