Agent Training

This training is for PEAK Health Advisors agents only. Enter the access password to continue.

Incorrect password. Try again.
PEAK · Plan Selection & Sales Strategies

Drug Not Covered? Slow Down

A formulary miss isn't the end of the conversation — it's the start of a careful process.

A medication shows "not covered." Don't kill the plan on the spot, don't tell the client it's impossible, and don't promise it'll eventually be covered.

1. Confirm medication is correct
2. Confirm brand vs. generic
3. Check formulary
4. Check for a covered alternative
5. Review step therapy / prior auth / quantity limits
6. Explain the coverage determination process, if appropriate
7. Never guarantee approval
PEAK coaching phrase An exception is a process — not a promise.
Stay in your lane Do not give medical advice, and never tell a beneficiary to change medications. That decision belongs between the beneficiary and their prescriber — your role is to explain the coverage process accurately, not to influence the medical choice.