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Is Viagra covered by insurance?

Health insurance plans that include prescription drug coverage may or may not cover Viagra and other impotence drugs. Checking out the insurer’s prescription drug formulary will allow you to see which brand-name drugs are included under the plan’s coverage. Typically, the formulary has three tiers, although individual plans may have other names for them. Tier I drugs are generics and have the lowest copays of all, while Tier II drugs are the insurer’s preferred brand-name drugs and have somewhat higher copays than Tier I drugs. Tier III drugs are non-preferred brand-name medications that are available only with a hefty copayment.

Because health plans available under Obamacare are also sold by individual insurers, you’ll need to check out each insurer’s drug formulary to determine what drugs are covered and at what level of copay. Medicare does not cover drugs for the treatment of sexual or erectile dysfunction.

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