Understanding specialty pharmacies

If you have a serious health problem like cancer, multiple sclerosis, or rheumatoid arthritis, your care probably includes specialty medications.

Unlike more common medicines, these drugs may need to be injected or given through an IV. They may also require special handling and storage.

Since these medications require an extra level of care, you'll need to get them from a specialty pharmacy instead of a regular one. These pharmacies are designed to handle complex medications and support the people who need the prescriptions.

Start by checking which specialty pharmacies are in your network. Then take a look at your plan’s list of covered medications to see if your prescription needs approval first.

Once your prescription is approved, you can talk to the pharmacist to get your medicine. They will also teach you how to take it the right way.

Some medications may be sent directly to your home or doctor's office. Injectable or infusible medications are normally sent to the doctor's office or hospital for use.

Specialty drugs typically cost more than a regular prescription. In some cases, there may be payment assistance programs that can help lower your costs that the pharmacy can help you with.

If you have any questions about what your insurance pays for and what you need to pay, you should also contact your insurance company.