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<!DOCTYPE html><html class="font-sans antialiased text-gray-800" lang="en"><head><meta charSet="utf-8"/><link href="/favicon/favicon.ico" rel="icon" type="image/x-icon"/><link href="/favicon/apple-touch-icon.png" rel="apple-touch-icon" sizes="180x180"/><link href="/favicon/favicon-32x32.png" rel="icon" sizes="32x32" type="image/png"/><link href="/favicon/favicon-16x16.png" rel="icon" sizes="16x16" type="image/png"/><link href="/favicon/site.webmanifest" rel="manifest"/><title>Medicine Assistance Tool</title><meta content="PhRMA’s Medicine Assistance Tool (MAT) helps patients, caregivers and health care providers find information about financial assistance and other resources made available through various biopharmaceutical industry programs." name="description"/><meta content="a,b,c,d" name="keywords"/><meta content="width=device-width, height=device-height, initial-scale=1.0, minimum-scale=1.0" name="viewport"/><meta name="next-head-count" content="10"/><meta name="release-version" content="31209"/><link data-next-font="" rel="preconnect" href="/" crossorigin="anonymous"/><script id="sitecoresendform-script" data-nscript="beforeInteractive">if(!window.mootrack){ !function(t,n,e,o,a){function d(t){var n=~~(Date.now()/3e5),o=document.createElement(e);o.async=!0,o.src=t+"?ts="+n;var a=document.getElementsByTagName(e)[0];a.parentNode.insertBefore(o,a)}t.MooTrackerObject=a,t[a]=t[a]||function(){return t[a].q?void t[a].q.push(arguments):void(t[a].q=[arguments])},window.addEventListener("DOMContentLoaded",d.bind(this,o),!1)}(window,document,"script","https://cdn.stat-track.com/statics/moosend-tracking.min.js","mootrack");}</script><link rel="preload" href="/_next/static/css/b48d50d8fc58b558.css" as="style"/><link rel="stylesheet" href="/_next/static/css/b48d50d8fc58b558.css" data-n-g=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-78c92fac7aa8fdd8.js"></script><script src="/_next/static/chunks/webpack-5b25fab94264354e.js" defer=""></script><script src="/_next/static/chunks/framework-ecc4130bc7a58a64.js" defer=""></script><script src="/_next/static/chunks/main-52182d886a50cc29.js" defer=""></script><script src="/_next/static/chunks/pages/_app-6b2de3c3f9d87779.js" defer=""></script><script src="/_next/static/chunks/pages/index-7005f31c0bab0dc7.js" defer=""></script><script src="/_next/static/fNyAteK-TD0S1cvrU9m8n/_buildManifest.js" defer=""></script><script src="/_next/static/fNyAteK-TD0S1cvrU9m8n/_ssgManifest.js" defer=""></script></head><body class="bg-white"><div id="__next"><header class="header" id="header"><div class="header__container"><nav class="navigation__main navbar navbar-expand-lg navbar-light"><div class="container-lg container"><div class="logo-container col-6 col-vs-6 col-sm-4 col-md-4 col-lg-4"><a aria-label="MAT" href="/" class="navbar-brand"><img alt="MAT Logo" loading="lazy" width="350" height="56" decoding="async" data-nimg="1" style="color:transparent;fill:white" srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2FMatV2-Logo.d12c0b0b.png&w=384&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2FMatV2-Logo.d12c0b0b.png&w=750&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2FMatV2-Logo.d12c0b0b.png&w=750&q=75"/></a></div><div class="menu-container col-6 col-vs-6 col-sm-8 col-md-8 col-lg-8"><button type="button" class="desktop stay-informed-btn btn btn-secondary btn-sm">Stay Informed</button><div class="locale-btn-style dropdown"><button type="button" id="dropdown-locale" aria-expanded="false" class="border border-white flag-en dropdown-toggle btn btn-white">English</button></div></div><button type="button" class="mobile stay-informed-btn btn btn-secondary btn-sm">Stay Informed</button></div></nav></div></header><main><div class="w-full"><section class="sectionContainer container-lg video-carousel"><div class="column video-carousel_text"><div><div class=""><h2 class="font-sans break-normal">Meet MAT, the Medicine Assistance Tool</h2></div><div class=""><p>PhRMA’s Medicine Assistance Tool (MAT) is a search engine designed to help patients, caregivers and health care providers learn more about the resources available through the various biopharmaceutical industry programs. MAT is not its own patient assistance program, but rather a search engine for many of the patient assistance resources that the biopharmaceutical industry offers.</p></div></div></div><div class="column video-carousel_video"><div class="flex flex-col w-full mt-8 undefined"><div class="relative w-full h-0 items-center overflow-hidden" style="position:relative;width:100%"></div></div></div></section><div class="medicineAssistanceTool_medicationSearch__iSIOH sectionContainer container-lg"><div class="medicineAssistanceTool_step__7xgK2"><div class="medicineAssistanceTool_stepBar__AT5Nz"><div class="medicineAssistanceTool_label__qMVX8">Step 1 of 3: Search</div><div class="medicineAssistanceTool_indicatorBar__kdLMK"><div class="medicineAssistanceTool_stepIndicator__xtI4J medicineAssistanceTool_active__JXum7"></div><div class="medicineAssistanceTool_stepIndicator__xtI4J"></div><div class="medicineAssistanceTool_stepIndicator__xtI4J"></div></div></div><div class="medicineAssistanceTool_medicineSearch__V95BB"><div class="medicineAssistanceTool_searchArea__37_I3 col-12 col-md-6"><label for="searchField" class="medicineAssistanceTool_searchBoxLabel__VtNdL">Enter medications that you need help accessing:</label><div class="medicineAssistanceTool_inputArea__H7y1S"><div class="medicineAssistanceTool_input__oCuJ8"><input id="searchField" placeholder="Search by Medication" autoComplete="off" class="medicineAssistanceTool_searchInput__oLCdc"/><span class="medicineAssistanceTool_searchIcon__CNa5z icon icon-search"></span></div></div></div></div></div></div></div></main><footer class="container footer"><div class="divider container-lg"><hr/></div><section class="undefined"><section class="sectionContainer container-lg footer-section"><div class="column footer-links"><h3>Patient Resources</h3><span class="linkComponent"><a title="Find a Free or Low Cost Clinic" href="/Patient-Resources/Find-a-Clinic"><span>Find a Free or Low Cost Clinic</span></a></span><span class="linkComponent"><a title="Savings Cards" href="/Patient-Resources/Savings-Cards"><span>Savings Cards</span></a></span><span class="linkComponent"><a title="Additional Resources" href="/Patient-Resources/Additional-Resources"><span>Additional Resources</span></a></span></div><div class="column footer-links"><h3>Education</h3><span class="linkComponent"><a title="Health Insurance Resources" href="/Education/Health-Insurance-Resources"><span>Health Insurance Resources</span></a></span><span class="linkComponent"><a title="Medicare" href="/Education/Medicare"><span>Medicare</span></a></span><span class="linkComponent"><a title="Medicaid" href="/Education/Medicaid"><span>Medicaid</span></a></span><span class="linkComponent"><a title="Health Insurance Marketplaces" href="/Education/Health-Insurance-Marketplaces"><span>Health Insurance Marketplaces</span></a></span><span class="linkComponent"><a title="Glossary" href="/Education/Glossary"><span>Glossary</span></a></span></div><div class="column footer-links"><h3>About</h3><span class="linkComponent"><a title="Who We Are" href="/About/Who-We-Are"><span>Who We Are</span></a></span><span class="linkComponent"><a title="What We Do" href="/About/What-We-Do"><span>What We Do</span></a></span><span class="linkComponent"><a title="Contact Us" href="/About/Contact-Us"><span>Contact Us</span></a></span><span class="linkComponent"><a title="FAQ" href="/About/FAQ"><span>FAQ</span></a></span><span class="linkComponent"><a title="Privacy Policy" href="/About/Privacy-Policy"><span>Privacy Policy</span></a></span><span class="linkComponent"><a title="Terms of Use" href="/About/Terms-of-Use"><span>Terms of Use</span></a></span></div><div class="column footer-images"><div class="item col-sm-6 col-xs-12 col-md-4 col-lg-4 page-listing_resourceBox__5JYnh"><a href="/"><img alt="image" loading="lazy" width="315" height="140" decoding="async" data-nimg="1" 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This, however, is not always the case. Beyond making sure the treatment you need is listed on an insurance company’s list of covered medicines, or ","nodeType":"text"},{"data":{"target":{"sys":{"id":"0o1YzWR02fjdoa1hS7U6i","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", there may be additional steps that insurers require before you can get the medicine you were prescribed.\n\nImportant terms to know are ","nodeType":"text"},{"data":{"target":{"sys":{"id":"25ClEIVmKlo09yEFjlZD0b","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"(aka “ ","nodeType":"text"},{"data":{"target":{"sys":{"id":"1wl13sSjruFwZCFmZKhDLM","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":"”) and prior authorization. These are processes your insurer may require you to complete before covering the medicine your doctor prescribes. In instances where you and your doctor have already determined that a different medicine isn’t right for you, this can be an added burden. And even after your insurer agrees to cover a medicine, you may be responsible for additional out-of-pocket costs.\n\nThis is an example of one of the challenges you may face when trying to access the medicines you need.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}]},{"name":"How Does Insurance Cover Your Medicines","title":"An Overview of Coverage","showInNavigation":true,"navigationParent":"Health-Insurance-Resources","slug":"How-Does-Insurance-Cover-Your-Medicines","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"EuzBgGdFB07GdyjkHhdJq","type":"Entry","createdAt":"2024-06-05T22:04:49.707Z","updatedAt":"2024-06-12T21:12:45.170Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":27,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"title":"An Overview of Coverage","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Breaking Down Some of the Basics of Health Coverage Formularies and Tiers\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Did you know insurance plans have a list of medicines they cover? It’s called a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"0o1YzWR02fjdoa1hS7U6i","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":". ","nodeType":"text"},{"data":{},"marks":[],"value":"If your medicine isn’t on that list, you’ll likely have to pay much more out of pocket. Even if the covered drug is on the list, if it is on a higher formulary tier, there still may be higher out-of-pocket costs or other barriers to access. ","nodeType":"text"},{"data":{"target":{"sys":{"id":"5DYMlYhBDFocZqS95CSxor","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" are the groupings of drugs on a formulary that have different levels of patient out-of-pocket costs.\n\nBefore choosing or switching plans, knowing how a plan covers your medicines is important to ensure that you have access to the treatments you need.\nTake the time to learn the basics and evaluate your options to make sure you’re choosing the best coverage options for you and your family. There is a lot of information to learn and digest, but we’re here to help.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}]},{"name":"4 Things to Think About During Open Enrollment","title":"4 Things to Think About When Choosing Your Health Plan During Open Enrollment","breadcrumbText":"4 Things to Think About When Choosing Your Health Plan During Open Enrollment","showInNavigation":true,"navigationParent":"Health-Insurance-Resources","slug":"4-Things-to-Think-About-During-Open-Enrollment","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"7xOLJcOAa2xzDaE8rTmwv3","type":"Entry","createdAt":"2024-05-30T16:55:17.410Z","updatedAt":"2024-07-19T15:57:48.805Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":167,"revision":20,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"4 Things to Think About When Choosing Your Health Plan During Open Enrollment","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Each year, you have the ability to review your health plan option during a time called open enrollment. Whether you are picking a plan through your employer or not (for example, through a health insurance marketplace), and whether you are getting coverage for the first time or changing to a new plan, understanding your coverage options can help with your decision process. Even if you like your plan, it is always smart to spend a little time and a little research to make sure your plan is the right one for you, especially as plans change year to year. Here are four helpful things to consider when choosing your health plan:\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"1. Where can you go for treatment?\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Each insurance plan has a specific ","nodeType":"text"},{"data":{"target":{"sys":{"id":"42LZD5WcWwJDsxJKEEVhWJ","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" of health care ","nodeType":"text"},{"data":{"target":{"sys":{"id":"52ploZqX0gLxLrbwBu20YB","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":"s, hospitals and pharmacies—these in-network","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"services are covered under your plan. If you visit a health care provider, hospital or pharmacy that is out of network, additional out-of-pocket costs could apply. Some plans, such as ","nodeType":"text"},{"data":{"target":{"sys":{"id":"7HT3xA8Rx8bcq0zs4HLtTM","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", typically only provide coverage for in-network providers, leaving patients paying the full cost of any out-of-network care. ","nodeType":"text"},{"data":{"target":{"sys":{"id":"3JtU3tNfI7XTh9NabaUFtk","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" provide some coverage for out-of-network care, but patients may still face high costs for out-of-network care.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"2. Review the plan deductible and premium.\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Most health plans have a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"6P0QR8B4vRlnZlT0KGEwdx","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", which is the amount you pay usually monthly for health insurance coverage. In addition to premiums, health plans may also have a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"2wYv2iN2zVVgRlHLwRSXly","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", which is the amount you pay out of pocket before your insurance will pay for most expenses. For example, if your health plan has a $500 deductible, your plan won’t pay for many services until you have paid for the first $500 of care. It is becoming more common for plans to include prescription medicines in the deductible, even those you may require for a chronic condition. Make sure to check the plan’s deductible to find out whether certain prescriptions or other services are covered before the deductible","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"so you have a good understanding of how and when your plan will cover health care costs.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"3. Learn about your potential out-of-pocket costs.\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"In addition to premiums and deductibles, patients will often have additional out-of-pocket costs for individual treatments and services, called co-pays or ","nodeType":"text"},{"data":{"target":{"sys":{"id":"45luP4QuRW8U6QkErMxoax","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":". A co-pay is a fixed amount—or flat fee—that patients are responsible for paying out of pocket for certain services or medicines. Coinsurance, on the other hand, is the percentage of costs a patient is responsible for paying. If your medicine is subject to coinsurance, you may want to try to find out from your insurer what the actual out-of-pocket cost will be, as percentages are harder to predict.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"4. Find out if and how your medicines are covered.\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"There are several factors to consider about medicines when choosing a health plan.\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Formulary ","nodeType":"text"},{"data":{},"marks":[],"value":"− Each health plan has a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"0o1YzWR02fjdoa1hS7U6i","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", which is a list of medicines that the plan will cover. Make a list of your current medicines and compare it to the plan’s formulary to ensure that your medicines are covered. The formulary may specify that your medicine is on a tier (e.g., tier 1 or preferred brand tier), and that tier corresponds to the level of ","nodeType":"text"},{"data":{"target":{"sys":{"id":"upYVhu4SMLJt9eBkCxOFm","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" (e.g., co-pay, coinsurance) you will pay out of pocket. The plan’s summary should list the cost sharing for each formulary tier.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Step therapy ","nodeType":"text"},{"data":{},"marks":[],"value":"− The formulary","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"may specify that a particular drug is covered with ","nodeType":"text"},{"data":{"target":{"sys":{"id":"25ClEIVmKlo09yEFjlZD0b","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", or \"fail first.\" This may require you to demonstrate that other medicines on their preferred list don’t work before your plan covers the cost of the original medicine your doctor prescribed.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Prior authorization ","nodeType":"text"},{"data":{},"marks":[],"value":"− The formulary","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"may specify that a particular drug is covered with prior authorization, which requires your doctor to obtain prior approval from your insurance company to cover a medicine not on your plan’s preferred list.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"An informed consumer is an engaged and empowered patient. With the right information, you are well equipped to be an active participant in making decisions about your health care.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"},"contentContainerClass":"col-md-8"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}],"seoMetadata":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"3o21WtEwp48BgUsEZ4Qr19","type":"Entry","createdAt":"2024-05-02T18:30:06.740Z","updatedAt":"2024-07-02T20:30:26.671Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":17,"revision":3,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"seo"}},"locale":"en"},"fields":{"internalName":"Medicine Assistance Tool | MAT.org","seoTitle":"Medicine Assistance Tool | MAT.org","description":"PhRMA’s Medicine Assistance Tool (MAT) helps patients, caregivers and health care providers find information about financial assistance and other resources made available through various biopharmaceutical industry programs.","keywords":["a","b","c","d"],"hidePageFromSearchEnginesNoindex":false,"excludeLinksFromSearchRankingsNofollow":false}}},{"name":"5 Questions to Ask About Your Prescription Medicine Coverage","title":"5 Questions to Ask About Your Prescription Medicine Coverage","showInNavigation":true,"navigationParent":"Health-Insurance-Resources","slug":"5-Questions-to-Ask-About-Your-Prescription-Medicine-Coverage","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"4gtbQ4lHhpZ4brtLDk5Hjy","type":"Entry","createdAt":"2024-05-30T17:11:34.658Z","updatedAt":"2024-07-19T16:43:24.682Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":89,"revision":5,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"title":"5 Questions to Ask About Your Prescription Medicine Coverage","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Navigating health coverage can be complicated. Here are five questions for you and your family to ask to better understand your insurance plan’s prescription drug ","nodeType":"text"},{"data":{"target":{"sys":{"id":"4zrv6K03Jt8RKK5fhNeyoV","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" and make sure your needed medicines are covered. For more information about your coverage, see your plan’s Summary of Benefits and Coverage (available from an insurance company), call the insurer directly or visit the insurer’s website.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"1. Are my regular prescriptions covered by my insurance plan?\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Many Americans take medications regularly. It is important to know if and how those medications are covered by your plan. Each insurance ","nodeType":"text"},{"data":{"target":{"sys":{"id":"52ploZqX0gLxLrbwBu20YB","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" has a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"0o1YzWR02fjdoa1hS7U6i","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", or list of medicines covered by the plan. A non formulary","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"medicine may not be covered by your health plan, requiring you to go through a lengthy process to try to gain coverage or else pay the full cost of the medicine. The list of covered medicines is divided into ","nodeType":"text"},{"data":{"target":{"sys":{"id":"41eeQjsdK6b340N1RGKaXI","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", which determine how much of a co-pay or ","nodeType":"text"},{"data":{"target":{"sys":{"id":"45luP4QuRW8U6QkErMxoax","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"you may have to pay out of pocket. Higher-tier medicines typically require more ","nodeType":"text"},{"data":{"target":{"sys":{"id":"11YpmRW9G2CzN8nn2m6GIs","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"than lower-tier medicines. Make a list of your current medicines and compare it to the plan’s formulary to make sure your needed prescriptions are covered.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"2. How much will I have to pay out of pocket before my medicines are covered?\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"The amount you are responsible for paying out of pocket before your medicines are covered will vary based on your coverage. First, you’ll have to pay a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"6P0QR8B4vRlnZlT0KGEwdx","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" for your coverage. This amount is usually paid monthly, but in some cases is paid quarterly or even annually, and is paid regardless of services used.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Second, you may have to meet a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"2wYv2iN2zVVgRlHLwRSXly","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" before most coverage kicks in. For example, if your deductible is $1,000, your plan may not cover most expenses until you’ve spent $1,000 out of pocket. Insurers increasingly require that a deductible be met before covering most medical or pharmacy services. Be sure to check with your insurer to know if your deductible combines these expenses to know how much you’ll have to pay before medicines are covered.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"3. How much will I have to pay out of pocket for my medicines after paying my premiums and meeting my deductible?\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Even after meeting your deductible, you will likely be responsible for certain out-of-pocket expenses. This may include co-pays—flat fees you are required to pay for prescriptions—or coinsurance","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"—a percentage of the total cost of a medicine (sometimes as high as 30 or 40 percent). Check your plan’s formulary or list of covered medicines to get a sense for what you’ll need to pay out of pocket for the medicines you take.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"4. 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The following programs are not associated with MAT, PhRMA or PhRMA’s member companies.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"},"linkText":"/Patient-Resources/Additional-Resources","linkTitle":"See Additional Resources \u003e","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"irNrSMHAV6Uj8yLxvz1QD","type":"Asset","createdAt":"2024-05-31T16:40:24.290Z","updatedAt":"2024-05-31T16:40:24.290Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":1,"locale":"en"},"fields":{"title":"Additional healthcare assistance resources","description":"","file":{"url":"//images.ctfassets.net/4ksqkku1z8gi/irNrSMHAV6Uj8yLxvz1QD/15e16861f0fe605808991cd90d256621/additional.png","details":{"size":117154,"image":{"width":273,"height":225}},"fileName":"additional.png","contentType":"image/png"}}}}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"2Br6xU9ctJtiiu6rVcakoV","type":"Entry","createdAt":"2024-05-21T12:39:22.412Z","updatedAt":"2024-06-19T12:38:47.374Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":12,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Small FAQ","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"7DOoDEbmVCzxQh7wfSZSJi"}}],"className":"small-faq-section"}}]},{"name":"Find a Clinic Prototype","title":"Find a Clinic","showInNavigation":false,"navigationParent":"Patient-Resources","slug":"find-a-clinic-prototype","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"7v1Ecn9Uwi7DuxI71V6sxX","type":"Entry","createdAt":"2024-06-13T09:20:59.017Z","updatedAt":"2024-06-13T09:31:26.554Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationOverview"}},"locale":"en"},"fields":{"title":"Find Clinic Resources Prototype","content":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Free and low-cost health clinics are an important resource for patients who need assistance paying for their health care.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"To find a free low-cost near you checkout these available resources.","marks":[],"data":{}}]}]},"image":{"sys":{"type":"Link","linkType":"Entry","id":"1tB42lYolRXTGiwQwD6FdW"}}}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"2iItkB7UxDqGgS4Rg59C1R","type":"Entry","createdAt":"2024-06-13T09:34:29.548Z","updatedAt":"2024-06-13T09:41:13.798Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":13,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Savings Card Texts with CTAs Prototype","sectionTitle":"Clinic Resources","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4eQS5Ox3DGxEt3GdEQneGz"}}]}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5DjG47mGRRkHaeFZ11feY7","type":"Entry","createdAt":"2024-06-13T09:29:17.848Z","updatedAt":"2024-06-13T09:43:30.682Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":3,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Find a Clinic - 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","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"},"image":{"sys":{"type":"Link","linkType":"Entry","id":"2VA1fdCnzBAl4lH6rTbYSZ"}},"mainContainerClass":"pt-10"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"48Zbot7ryeBLa66ucOffip","type":"Entry","createdAt":"2024-05-28T20:35:12.269Z","updatedAt":"2024-06-25T08:35:12.937Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":47,"revision":15,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"PhRMA’s Medicine Assistance Tool (MAT) is a search engine designed to help patients, caregivers and health care providers learn more about the resources available through the various biopharmaceutical industry programs. MAT is not its own patient assistance program, but rather a search engine for many of the patient assistance resources that the biopharmaceutical industry offers. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"},"quote":"MAT is free, confidential and easy to use. MAT is a search engine that contains information on approximately 900 public and private assistance programs that help those with financial need get access to their prescription."}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}]},{"name":"Health Insurance Resources","title":"Health Insurance Resources","showInNavigation":true,"navigationParent":"Education","slug":"Health-Insurance-Resources","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5Ng32pIhsQyU69bLC46FYC","type":"Entry","createdAt":"2024-05-29T17:48:04.727Z","updatedAt":"2024-07-22T11:40:14.651Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":19,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationOverview"}},"locale":"en"},"fields":{"title":"Health Insurance Resources","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"There is a lot confusing information out there about prescription medication coverage. Click on the resources below to find out how insurance covers medicines and learn other coverage basics. The ","nodeType":"text"},{"data":{"uri":"https://mat.org/Education/Glossary"},"content":[{"data":{},"marks":[],"value":"Coverage Glossary","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" also offers simple explanations of common insurance jargon. Use these tools to help understand prescription medication coverage and choose the best plan for you and your loved ones when evaluating health care options. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"},"image":{"sys":{"type":"Link","linkType":"Entry","id":"40YA3k8Nuk4m9HEzHc0VMO"}},"mainContainerClass":"py-10","bodyContainerClass":"col-md-8 col-sm-12 lg:pr-48","imageContainerClass":"col-md-3 col-sm-12"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"2Fjm3MPJxHT1T73vuMyW4k","type":"Entry","createdAt":"2024-05-22T16:04:43.427Z","updatedAt":"2024-05-28T16:10:54.442Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":11,"revision":5,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Page Listing Wrapper","sectionTitle":"Page Listing Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"3L1sKNaTMygSljPbCNDQiP"}}],"className":"page-listing-wrapper"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}]},{"name":"5 Ways Your Insurer May Prevent You from Getting Your Medicine","title":"5 Ways Your Insurer May Prevent You from Getting Your Medicine","showInNavigation":true,"navigationParent":"Health-Insurance-Resources","slug":"5-Ways-Your-Insurer-May-Prevent-You-from-Getting-Your-Medicine","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"40labiuDBVO855zZQxyza7","type":"Entry","createdAt":"2024-06-04T22:25:49.987Z","updatedAt":"2024-07-19T16:48:03.686Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":54,"revision":7,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"title":"5 Ways Your Insurer May Prevent You from Getting Your Medicine","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"It is important to know the barriers insurers may impose to accessing the medicines you need. Knowing these ahead of time can help you ask the right questions and look for coverage that works best for you.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"1. Prior Authorization\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Your insurer may require your doctor to obtain approval from the insurance company before they will cover a medicine that is not on your plan’s preferred ","nodeType":"text"},{"data":{"target":{"sys":{"id":"4Zs20inksucJHsi4Skh8RG","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" (also known as a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"0o1YzWR02fjdoa1hS7U6i","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":"). This process can often be burdensome and time consuming, potentially causing delays in access to needed treatments, which in turn may negatively affect your overall health.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"2. Step Therapy (\"Fail First\")\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Also known as ","nodeType":"text"},{"data":{"target":{"sys":{"id":"1wl13sSjruFwZCFmZKhDLM","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", your insurer may require you to demonstrate that other medicines on your plan’s formulary don’t work for you before they agree to cover the cost of the original medicine your doctor prescribed.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"3. Non-Medical Switching\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Your insurer can require you to switch to another medicine, even if your current medicine is working or the other medication is different from your doctor’s prescription. Insurers do this by changing the medicines covered on their formulary or by making it difficult to continue your medicine. In some cases, patients who are required to switch medicines for non-medical reasons may not respond to the new therapy, or may have an adverse reaction – a serious concern for patients with diseases like rheumatoid arthritis, Crohn’s disease and mental health conditions.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"4. High Out-of-Pocket Costs\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Insurers are increasingly subjecting prescription drugs to a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"2wYv2iN2zVVgRlHLwRSXly","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" or imposing higher ","nodeType":"text"},{"data":{"target":{"sys":{"id":"11YpmRW9G2CzN8nn2m6GIs","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" for medicines, especially when compared to other health care services. These costs may come in the form of a deductible (the amount you have to pay before your insurance will start covering most expenses), a co-pay (a fixed cost you may have to pay when you visit the doctor or pick up a prescription medicine, once you’ve met the deductible) or ","nodeType":"text"},{"data":{"target":{"sys":{"id":"45luP4QuRW8U6QkErMxoax","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" (a percentage of the total cost you may have to pay to pick up a prescription medicine once you’ve met the deductible). These out-of-pocket costs can be real barriers to accessing care, because unlike a visit to the hospital where you’ll be treated no matter what, if you can’t pay for your medicine, you have to leave the pharmacy without it.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"5. Not Covered at All\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Insurers can limit the medicines they cover by not placing them on a formulary. Finding out if the medicines you need are covered before you pick a plan is critical, but sometimes that information can be hard to find. Call insurance plans directly to get a copy of a plan’s formulary (or list of covered medicines), find out if the medicines you need are covered, and ask what you’ll have to pay for them at the pharmacy. If you find out that a medicine is not covered and you are not able to switch plans, you can ask to go through an exceptions process to gain coverage.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}]},{"name":"5 Things to Consider When Choosing Your Health Coverage","title":"5 Things to Consider When Choosing Your Health Coverage","showInNavigation":true,"navigationParent":"Health-Insurance-Resources","slug":"5-Things-to-Consider-When-Choosing-Your-Health-Coverage","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"2ST2cuXkbwBQwMq314tICH","type":"Entry","createdAt":"2024-06-04T22:20:19.173Z","updatedAt":"2024-06-12T19:34:45.822Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":108,"revision":8,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"title":"5 Things to Consider When Choosing Your Health Coverage","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"\rChoosing a health insurance plan can feel like an overwhelming task. Here are five things to keep in mind when choosing health coverage for you and your family. For specific information on plan components, see your plan’s Summary of ","nodeType":"text"},{"data":{"target":{"sys":{"id":"2nClbXcxS3Fo9re3oj5Ca3","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" and Coverage (available from an insurance company), call the insurer directly or visit the insurer’s website.\r\n\r\n\r\r","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"1. Type of Plan and Provider Network","nodeType":"text"},{"data":{},"marks":[],"value":"\r\n\r\nDo the health care ","nodeType":"text"},{"data":{"target":{"sys":{"id":"2I8nxi4ZIYHpkfrYwhaqZ5","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", hospitals and pharmacies you prefer fall within the plan’s ","nodeType":"text"},{"data":{"target":{"sys":{"id":"42LZD5WcWwJDsxJKEEVhWJ","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":"?\r\n\rIt’s important to remember that in-network services and medicines are covered under a plan, while out-of-network services and medicines may require additional out-of-pocket costs or may not be covered at all. Importantly, out-of-pocket costs for out-of-network services may not count toward a plan’s out-of-pocket maximum. Check to see if your preferred primary care or specialist provider and the pharmacy near your home are included in the plan’s network.\r\n\r\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"2. Premiums","nodeType":"text"},{"data":{},"marks":[],"value":"\r\n\r\nHow much will you pay per month for coverage?\r\n\r","nodeType":"text"},{"data":{"target":{"sys":{"id":"3lDpShMdReqxUkVS04jmXE","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" are the amount you pay an insurance company for coverage, whether or not you use medical and pharmacy services. Premiums are usually paid monthly, and if you stop making payments, you are at risk of losing your coverage. Keep in mind that these are not the only costs associated with coverage. You will also be responsible for paying ","nodeType":"text"},{"data":{"target":{"sys":{"id":"2wYv2iN2zVVgRlHLwRSXly","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":"s and for ","nodeType":"text"},{"data":{"target":{"sys":{"id":"11YpmRW9G2CzN8nn2m6GIs","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", for example, co-pays and ","nodeType":"text"},{"data":{"target":{"sys":{"id":"45luP4QuRW8U6QkErMxoax","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", for most health care services and treatments. (See descriptions below)\r\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"3. Deductibles\r\n","nodeType":"text"},{"data":{},"marks":[],"value":"\r\nWhat is the amount you must pay out of pocket before your coverage kicks in?\r\n\rFor example, if your deductible is $1,000, your health plan won’t pay most expenses until you’ve spent $1,000 on expenses out of pocket. Out-of-pocket costs may include specialist visits, procedure fees, and in some cases even prescriptions. Certain preventive services, such as approved cancer screenings and vaccines, are typically covered with no cost sharing before you reach your deductible. Patients who select a plan with a high deductibles will most likely have a lower monthly premium, while lower deductibles often have higher monthly premiums. Insurers increasingly require a deductible to be met before covering most medical or pharmacy services. Be sure to check with your insurer to know if your plan has either a single, ","nodeType":"text"},{"data":{"target":{"sys":{"id":"2gc8C6PS9IQYX0XSonDabw","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" for medical and pharmacy services or a separate deductible for prescriptions to know how much you’ll have to pay before medicines are covered.\r\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"4. Co-pay or Coinsurance\r\n","nodeType":"text"},{"data":{},"marks":[],"value":"\r\nAre you aware of other costs that you may be required to pay to access care?\r\n\rDon’t forget you may be responsible for other out-of-pocket expenses even after you reach your deductible. These can include:\r\n\r","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Coinsurance","nodeType":"text"},{"data":{},"marks":[],"value":" - a percentage of costs you must pay for a medicine or service, or\r","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Co-pay ","nodeType":"text"},{"data":{},"marks":[],"value":"- flat fees you are required to pay for prescriptions or covered services (often listed on the back of your insurance card)\r","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"5. Coverage of Medicines","nodeType":"text"},{"data":{},"marks":[],"value":"\r\n\r\nAre your regular prescriptions covered by your insurance plan?\r\n\rEach insurer has a ","nodeType":"text"},{"data":{"target":{"sys":{"id":"0o1YzWR02fjdoa1hS7U6i","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":" (list of medicines) covered by the plan. If a medicine is not on the formulary, it may not be covered, and patients will then have to go through a potentially lengthy process to obtain coverage. The list of covered medicines is also divided into ","nodeType":"text"},{"data":{"target":{"sys":{"id":"41eeQjsdK6b340N1RGKaXI","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":", which determine how much of a co-pay or coinsurance you may have to pay. Make a list of your current medicines, and compare it to the plan’s formulary to make sure your medicines are covered and you understand the out-of-pocket costs that may be associated with them.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}]},{"name":"Who is Making Decisions About Your Health Care","title":"Who is Making Decisions About Your Health Care","showInNavigation":true,"navigationParent":"Health-Insurance-Resources","slug":"Who-is-Making-Decisions-About-Your-Health-Care","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"6K84wt2mzdTaNqiETgKP4C","type":"Entry","createdAt":"2024-06-05T22:15:49.652Z","updatedAt":"2024-07-22T13:04:52.060Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":77,"revision":12,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"title":"Who Is Making Decisions About Your Health Care?","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Have you ever gone to the pharmacy and been told they can’t give you the medicine your even when it is listed as being included on your ","nodeType":"text"},{"data":{"target":{"sys":{"id":"1S27vgkSDPDwF0r38jIKMf","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":"? ","nodeType":"text"},{"data":{},"marks":[],"value":"This can happen for a few reasons. You may not even realize health care decisions are being made on your behalf by your insurance company.\n\nEven though insurers are not involved in your direct care or privy to why your doctor prescribed one medicine over another, many try to limit the use of certain prescriptions to control health care costs and steer patients to medicines insurers prefer. Sometimes, this can mean unnecessary barriers between you and the medicine you need. Here are some terms you should know when visiting your health care ","nodeType":"text"},{"data":{"target":{"sys":{"id":"52ploZqX0gLxLrbwBu20YB","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":", ","nodeType":"text"},{"data":{},"marks":[],"value":"filling a prescription and selecting your insurance plan.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"1. ","nodeType":"text"},{"data":{"target":{"sys":{"id":"7GKLEk7BXxMW1zLNu4opIx","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":" (“","nodeType":"text"},{"data":{"target":{"sys":{"id":"12bOLIdQyZvCGINVSFkj40","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[{"type":"bold"}],"value":"”)\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"One way insurers manage your medicines is through a process called ","nodeType":"text"},{"data":{"uri":"https://mat.org/Education/Health-Insurance-Resources/How-Insurers-Limit-the-Use-of-Medicines"},"content":[{"data":{},"marks":[],"value":"step therapy","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", also known as Fail First. Before an insurer will cover the non-preferred medicine prescribed by your doctor, your doctor has to begin treatment with a drug from your plan’s “preferred” list. If the medicine is deemed ineffective, you can then progress to others that may not be on the preferred list.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"Step Therapy ","nodeType":"text"},{"data":{},"marks":[],"value":"can be especially challenging for patients with rheumatoid arthritis or other chronic conditions who are stable on a treatment regimen and may see their health worsen if they switch medicines. For any patient, going through the step therapy","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"process can be a burden and can be particularly frustrating if a patient starts with a new insurer and has to once again return to step one and go off a therapy that is working.\n\n","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":"2. Prior Authorization\n\n","nodeType":"text"},{"data":{},"marks":[],"value":"Have you ever gotten to the pharmacy to fill a prescription and been told it isn’t covered until your insurer talks to your physician? This happens due to a requirement called prior authorization. This is where your insurer has to grant permission to your health care provider","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"},{"data":{},"marks":[],"value":"to cover a medicine not on your plan’s preferred list. 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The marketplaces can help people without health insurance enroll in health coverage. Depending on household income and other factors, individuals and families may be able to get assistance in paying for that coverage. All marketplace plans must provide free preventive care and cover pre-existing conditions, as well as offer essential health ","nodeType":"text"},{"data":{"target":{"sys":{"id":"7FDMKHMZYlAmJPRinkGNL4","type":"Link","linkType":"Entry"}}},"content":[],"nodeType":"embedded-entry-inline"},{"data":{},"marks":[],"value":"s. Health care items or services covered by health plans. Examples include emergency services, hospitalization, prescription drugs, laboratory services and wellness visits. Health care items or services covered by health plans. Examples include emergency services, hospitalization, prescription drugs, laboratory services and wellness visits. 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These Terms are a legal contract between you and PhRMA, governing your access to and use of the Service. Please read the Terms carefully before using the Service. By using the Service, you acknowledge that you have read, understood and accept, without limitation or qualification, these Terms. Do not use the Service if you do not accept these Terms.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"The Service is designed to comply with laws and regulations of the United States (the “U.S.”). Although accessible by others, the Service is intended for access and use by U.S. residents only. PhRMA makes no representation that the Service is appropriate for use in any other jurisdiction. If you choose to access the Service from other locations, you do so on your own initiative and are responsible for compliance with applicable local laws and regulations.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"The Service may reference or mention other parties, their products or their services. This information was provided by the sponsors of participating patient assistance programs, including the manufacturers of prescription drugs. For information about specific prescription drugs, including the FDA-approved prescribing information, please contact the manufacturer of the drug. Any such reference or mention is not an endorsement, recommendation or sponsorship of that party, its products or its services. 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We are not engaged in rendering medical or similar professional services or advice via the Service, and the information provided is not a substitute for the professional judgment of a health care professional in diagnosing and treating patients. You should consult a physician or other medical professional for advice regarding any medical condition or treatment thereof. Your reliance upon any content or information provided through the Service is solely at your own risk. You should not construe PhRMA’s publication of any such content as an endorsement by PhRMA of the views expressed in it, or as any warranty or guarantee of any strategy, recommendation, treatment, action, or application of medication or preparation made by the author of the content.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"II. 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You agree that you shall have no recourse against PhRMA nor any right to license fees or royalties for any alleged or actual infringement or misappropriation of any property included in your communications to us.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"V. Registration\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"You may be asked to register for certain activities in connection with the Service by creating a user profile. When you register, you agree to provide accurate, current and complete information about yourself as requested or directed on the Service and to promptly update this information to maintain its accuracy. PhRMA has the right to suspend or terminate any account or other registration and to refuse any and all current or future use of the Service if it suspects that such information is inaccurate or incomplete. You are responsible for maintaining the confidentiality of any password and username that you are given or select in connection with the Service, and you are responsible for all activities that occur under your password or account.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"VI. Intellectual Property\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"All content, information, materials, text, images, audio, video, computer code and software appearing on the Service (collectively, the “Content”) is the property of PhRMA or third parties. No title or ownership rights are transferred to you under these Terms, and nothing herein shall be construed as a license to you under any PhRMA patent, trademark, copyright or trade secret. You may access, use and display the Service without modification or alteration in any way, and only so long as you comply with these Terms. You may access, use and display the Service on a single computer or device and download and print copies of the Content only for noncommercial, informational, personal use in seeking information about and applying for financial assistance for prescription medication on behalf of you or another.\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Copyright. The Content is protected under the copyright laws of the United States and other countries. All copyrights in the Service are owned by PhRMA or its third-party licensors to the full extent permitted under the United States Copyright Act and all international copyright laws. Unless expressly permitted in writing, you may not copy, reproduce, distribute, publish, enter into a database, display, perform, modify, create derivative works from, transmit or in any way exploit any part of the Content except that you may make use of the Content for educational and noncommercial purposes only, provided that you maintain all copyright and other notices posted along with the Content. To obtain written consent to use a copyrighted work, please contact info@mat.org. Copying or downloading these materials for anything other than your personal use in seeking information about financial assistance for prescription medication on behalf of you or another is a violation of these Terms of Use and may be a violation of copyright laws.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Trade and Service Marks. All rights in product names, the PhRMA name, trade names, logos, service marks, trade dress, slogans, product packaging and designs of PhRMA products or services, whether or not appearing in large print or with the trademark symbol, belong exclusively to PhRMA or its licensors and are protected from reproduction, imitation, dilution, or confusing or misleading uses under national and international trademark and copyright laws. The use or misuse of these trademarks or any materials, except as permitted herein, is expressly prohibited, and nothing stated or implied on the Service confers on you any license or right under any patent or trademark of PhRMA, its affiliates or any third party. To obtain written permission to use the trade and service mark rights of PhRMA, please contact info@mat.org.\n\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"VII. Disclaimer of Warranties\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Your use of the Service is at your own risk. The Service, including text, graphics, links or other items, is provided “as is.” We make no representations or warranties about the operation of the Service or the information, materials, goods or services appearing or offered on the Service. Without limiting the generality of the foregoing, we disclaim all warranties, express, statutory or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, noninfringement of any third-party intellectual property or proprietary rights, freedom from computer virus, and any warranties relating to the accuracy, reliability, correctness or completeness of the information made available on the Service. Further, we make no warranty that the Service will meet your needs or requirements or the needs or requirements of another person. PhRMA does not warrant that the Service, Content, functions or materials contained therein will be timely, secure, accurate, complete, up-to-date, free of viruses or errors, or uninterrupted.\n\nIf applicable law does not allow the exclusion of some or all of the above implied warranties, those exclusions will apply to you to the fullest extent permitted by applicable law.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"VIII. Links to the Service\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"You may link to the ","nodeType":"text"},{"data":{"uri":"/home"},"content":[{"data":{},"marks":[],"value":"MAT.org","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" website subject to the following restrictions. You agree that you will not (a) include links to any MAT.org page other than http://www.mat.org; (b) “frame” or impose editorial comment, commercial material or any type of identification on or in proximity to content displayed on MAT.org; (c) alter or modify MAT.org content, “cut and paste,” or otherwise reproduce MAT.org content on the website that links to MAT.org; (d) misrepresent your relationship with PhRMA or the MAT.org website or imply that PhRMA or the MAT.org website has any connection with, or is endorsing or sponsoring, you or your website; or (e) present false, misleading or defamatory information about PhRMA or its services. You further agree that you will not link to MAT.org if content on the linking site contains libelous, defamatory, obscene, pornographic or patently offensive material. You link to MAT.org at your own risk; PhRMA is under no obligation to maintain MAT.org, provide or update MAT.org content, or otherwise support your link to the MAT.org website. PhRMA may revoke its authorization for you to link to the MAT.org website at any time for any reason or no reason, and you agree to remove any and all links to the MAT.org website upon notice by PhRMA.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"IX. Links to other Sites\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"The Service may link you to other websites on the Internet that are operated and maintained by third parties and that are not under the control or responsibility of PhRMA. Such links do not constitute an endorsement by PhRMA of those other websites, the content displayed therein, or the persons or entities associated therewith. While PhRMA attempts to provide links only to third-party websites that comply with all applicable laws and regulations and PhRMA’s standards, the content on these third-party websites is subject to change without notice to PhRMA. These Terms do not apply to this third-party content. We encourage you to review the privacy policies and terms of use of these third-party websites or services.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"X. Limitation of Liability\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"In no event will PhRMA, its affiliates or any party involved in creating, producing, or delivering the Service be liable for any direct, indirect, special, incidental, consequential or punitive damages; lost profits; or other damages or losses whatsoever arising out of your access, use, misuse or inability to use the Service, Content or any sites linked from the Service, however caused, whether in contract, tort, negligence, strict liability or otherwise, even if PhRMA has been advised of the possibility of such damages or losses, or in connection with any interruption in availability of the Service, failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, PhRMA’s liability in such jurisdictions shall be limited to the extent permitted by law. If you are dissatisfied with the Service, your sole remedy is to stop using the Service.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XI. Privacy Policy\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"By using the Service, you acknowledge that you have reviewed, understand and accept the terms of our Privacy Policy.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XII. Indemnification\n\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"You agree to indemnify, defend and hold harmless PhRMA and its subsidiaries, affiliates, successors, parent companies, directors, officers, employees, contractors, service providers, agents and the assigns of same from and against any demands, claims, damages, liabilities, judgements, losses, costs, expenses and harms, including reasonable attorneys’ fees, related to or associated with your use of the Service, online conduct, any violation of these Terms, or dealings or transactions with other persons resulting from use of the Service.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XIII. Separate Terms and Conditions\n\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"In connection with your use of the Service, you may be asked to consent to policies or terms and conditions in addition to these Terms. Please read these supplemental policies and terms carefully before making any use of such portions of the Service. Any supplemental terms will not vary or replace these Terms regarding any use of the Service, unless otherwise expressly stated.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XIV. Termination\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"PhRMA may terminate this agreement for any reason at any time. PhRMA reserves the right, in its sole discretion, to restrict, suspend or terminate your access to and use of the Service, with or without prior notice. Otherwise applicable sections of the Terms shall survive termination. PhRMA also reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XV. Integration \u0026 Severability\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"These Terms constitute the entire agreement between PhRMA and you, superseding any prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. In the event any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions and will be replaced by an enforceable provision that comes closest to the intention underlying the unenforceable provision.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XVI. No Waiver\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Our failure to enforce any provisions of the Terms or respond to a breach by you or other parties shall not in any way waive our right to enforce subsequently any terms or conditions of the Terms or to act with respect to similar breaches.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XVII. Location, Governing Law and Arbitration\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Your access to and use of this website under these Terms are governed by and will be construed in accordance with the law of the District of Columbia without regard to principles of conflicts of laws. By using the Service, you waive any claims that may arise under the laws of other countries or territories.\n\nWith respect to any and all disputes arising out of or in connection with the Service, these Terms or the Privacy Policy, PhRMA and you agree to negotiate in good faith and undertake reasonable efforts to cooperate with one another in order to achieve a mutually satisfactory resolution. If you and PhRMA do not resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. Instead, all disputes will be resolved before a neutral arbitrator, whose decision will be final except for a limited right of appeal under the Federal Arbitration Act. Any court with jurisdiction over the parties may enforce the arbitrator’s award.\n\nAny proceedings to resolve or litigate any dispute in any forum will be conducted solely on an individual basis. Neither you nor PhRMA will seek to have any dispute heard as a class action or in any other proceeding in which either party acts or proposes to act in a representative capacity. No arbitration or proceeding will be combined with another without the prior written consent of all parties to all affected arbitrations or proceedings.\n\nPhRMA and you agree that all disputes arising under these Terms that cannot be settled through informal negotiation will be settled exclusively through confidential binding arbitration in the District of Columbia. The arbitrator’s award shall be binding and may be entered as a judgement in a court of competent jurisdiction. You agree that PhRMA may seek any interim or preliminary relief from a court of competent jurisdiction in the District of Columbia, necessary to protect its rights or property pending the completion of arbitration.\n\nTo the extent permitted by law, any claim or dispute under this agreement must be filed within one year in an arbitration proceeding. The one-year period begins when the claim or notice of dispute first could be filed. If a claim or dispute isn’t filed within one year, it’s permanently barred.\n\nIf any other provision of this section is found to be illegal or unenforceable, that provision will be severed, with the remainder of this section remaining in full force and effect.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XVIII. Product Questions\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"PhRMA is a nonprofit membership association that does not manufacture or market any pharmaceuticals. If you have questions or concerns about a pharmaceutical product, please contact the manufacturer or the FDA at 1-800-FDA-1088.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"XIX. Contact Us\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you have any questions about these Terms of Use, please send us an email at info@mat.org.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"5iRhtMFnlsyyAlOKTrsRoO","type":"Entry","createdAt":"2024-05-21T15:46:14.431Z","updatedAt":"2024-05-21T15:48:49.297Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":10,"revision":4,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"component_section"}},"locale":"en"},"fields":{"name":"Information Footer Wrapper","sectionTitle":"Information Footer Wrapper","columns":[{"sys":{"type":"Link","linkType":"Entry","id":"4dgCsP4FdRH0x9QJrel0pR"}}]}}]},{"name":"Privacy Policy","title":"Privacy Policy","showInNavigation":true,"navigationParent":"About","slug":"Privacy-Policy","sections":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"37tCDglO4hSPejlIPYazDz","type":"Entry","createdAt":"2024-05-28T16:56:26.846Z","updatedAt":"2024-07-19T12:38:55.190Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":17,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationOverview"}},"locale":"en"},"fields":{"title":"Privacy Policy","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Pharmaceutical Research and Manufacturers of America (PhRMA) (“we,” “our,” “us”) is committed to protecting the privacy and security of visitors to the PPARx.org and MAT.org websites (the \"Service\"). This privacy policy (the \"Privacy Policy\") applies to the Service, and explains how we collect, use and disclose information through the Service. By using the Service, you agree to the terms of this Privacy Policy.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"},"image":{"sys":{"type":"Link","linkType":"Entry","id":"4NGaB0CnjXrmG9nAVuqki7"}},"imageClass":"smallerImage","mainContainerClass":"pt-10","imageContainerClass":"col-md-3 col-sm-12"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"4ksqkku1z8gi"}},"id":"4frSzDj7zrfr8TsGfUcWg8","type":"Entry","createdAt":"2024-05-28T17:03:28.770Z","updatedAt":"2024-07-18T21:18:19.965Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":84,"revision":12,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"informationContent"}},"locale":"en"},"fields":{"content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"1. Information Collection\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"You generally are not required to provide information about yourself when you visit the Service. However, we may ask you to voluntarily provide some or all of the following types of information when you search for prescription assistance programs through our Service, access various content or features, submit information to us, or directly contact us with questions or feedback:\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Contact information, such as name and e-mail address;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Demographic information, such as gender, age, income, familial and martial status, household information and residency status;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Health-related information, including what medicines you are taking;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Information about your eligibility for certain insurance programs;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Geolocation information and zip code information;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Communications preferences;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Search queries;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Correspondence and other information that you send to us; and","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Additional information as otherwise described to you at the point of collection or pursuant to your consent.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"We also may collect certain information automatically when you visit the Service, including:\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Your Internet Protocol (IP) address, which is the number automatically assigned to your computer or device whenever you access the Internet and that can sometimes be used to derive your computer or device's general geographic area;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Other unique identifiers, including mobile device identification numbers;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Your browser type and operating system;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Sites you visited before and after visiting the Service;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Pages you view and links you click on within the Service;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Information about your interactions with e-mail messages, such as the links clicked on and whether the messages were received, opened, or forwarded; and","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Standard Server Log Information.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"\nWe may use cookies, pixel tags, local shared objects (sometimes referred to as “Flash cookies”) and similar technologies to automatically collect this information. Cookies are small bits of code that are stored by your computer’s web browser and that may automatically identify your browser to the Service whenever your computer is used to visit the Service. Pixel tags are very small images or small pieces of data embedded in images, also known as \"web beacons\" or \"clear GIFs,” that can recognize cookies, the time and date a page is viewed, a description of the page where the pixel tag is placed, and similar information from your computer or device. Local shared objects or Flash cookies are similar to standard cookies except that they can be larger and are downloaded to a computer or mobile device by the Adobe Flash media player. Please note that you may need to take additional steps beyond changing your browser settings to refuse or disable cookies, pixel tags, local shared objects and similar technologies. For example, local shared objects can be controlled through the instructions on ","nodeType":"text"},{"data":{"uri":"http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager.html"},"content":[{"data":{},"marks":[],"value":"Adobe’s Setting Manager page","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":".\n\nBy using the Service, you consent to our use of cookies and similar technologies. You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies and similar technologies, you may not be able to use certain online products, services or features on the Service.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"2. Use of Information\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"We may use information that we collect through the Service for a variety of purposes, including to:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Provide you with the products, services, newsletters and information you request and respond to correspondence that we receive from you;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Contact you via email and otherwise about products and services that we think might be of interest to you;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Maintain or administer the Service, perform business analyses, or for other internal purposes to improve the quality of our business, the Service, and other products and services we offer;","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Customize and personalize your use of the Service; and","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"As otherwise described to you at the point of collection or pursuant to your consent.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"3. Sharing of Information\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"We are committed to maintaining your trust, and we want you to understand when and with whom we may share the information we collect.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Service Providers: We may share your information with service providers that perform certain functions or services on our behalf (such as to host the Service, fulfill orders, provide products and services, manage databases, perform analyses, provide customer service, or send communications for us).","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Third-Party Ad Serving and Audience and Traffic Measurement Services: We may use third-parties to serve advertisements on the Service. These third parties may set their own cookies or similar web technologies to collect information about users' online activities over time and across different websites.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Business Transfer: If we sell all or part of our business, or make a sale or transfer of assets, or are otherwise involved in a merger or business transfer, or in the unlikely event of bankruptcy, a business reorganization, or similar event, we may transfer your information as part of such transaction.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Administrative or Legal Process: We may disclose your information to third parties in order to protect the legal rights, safety, and security of our organization, our corporate affiliates, subsidiaries, business partners, and the users of our Service; enforce our Terms of Use; respond to and resolve claims or complaints; prevent fraud or for risk management purposes; and comply with or respond to law enforcement or legal process or a request for cooperation by a government or other entity, whether or not legally required.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Other Parties with Your Express or Implied Consent: We may share information with third parties when you consent to such sharing.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Aggregate Information: We may share aggregate information, such as demographic and usage statistics, with advertisers, sponsors or other organizations.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"In addition, we may allow third parties to place and read their own cookies, web beacons, Local Shared Objects, and similar technologies to collect information through the Service. For example, our third-party service providers may use these technologies to collect information that helps us with traffic measurement, research, and analytics.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"4. Links to Other Websites\n\n\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"The Service may contain links to other websites or online services that are operated and maintained by third parties and that are not under the control of or maintained by us. Such links do not constitute an endorsement by us of those other websites, the content displayed therein, or the persons or entities associated therewith. This Privacy Policy does not apply to this third-party content. We encourage you to review the privacy policies of these third-party websites or services.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"5. Security\n\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"We have adopted security procedures to help protect against loss, misuse and unauthorized access to the information you provide to us. Please note that no data transmission or storage can be guaranteed to be 100% secure. As a result, while we strive to protect your information and privacy, we cannot guarantee or warrant the security of any information you disclose or transmit to the Service and cannot be responsible for the theft, destruction or inadvertent disclosure of your information.\n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"6. Data Retention\n\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"We store personal information for different periods of time consistent with the purposes for which such information was originally collected, as subsequently further authorized, or when required or allowed under applicable law. \n\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"7. Children’s Privacy\n\n","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"The Service is directed to a general audience. The Service does not knowingly collect, use or disclose personal information from children under the age of 13 without prior parental consent, except as permitted by the Children’s Online Privacy Protection Act (COPPA). 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