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Make a list

Bring a copy of your insurance company’s list of covered prescription medications (a “formulary”) to your doctor’s appointment. Most insurers classify drugs by their prices, so if you share this information with your healthcare provider, he or she can help you find the best medication at the lowest price. And if you need a referral to a specialist, bring your preferred-provider list to your primary care appointment so your doctor can pick out a specialist who participates in your plan.

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