Medical benefits can look excellent while the drug coverage quietly makes the plan wrong for this client. Prescriptions deserve their own careful pass.
Verify Current Medications
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Check Formulary
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Check Tier
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Check Deductible
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Check Monthly Cost
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Check Pharmacy
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Check Restrictions
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Compare Plans
What "verify medications" actually means
Correct medication
Brand vs. generic
Dosage
Quantity
Days supply
Tier
Drug deductible
Monthly cost
Preferred pharmacy
Prior authorization
Step therapy
Quantity limits
Coverage status
Example
Same medication — Plan A~$10 / month
Same medication — Plan B~$35 / month
Ask
"If everything else were similar, which plan would make more sense for someone taking this medication every month?"
Prescription cost differences can become a completely legitimate selling point — when they're verified, not assumed.