Blue Cross Blue Shield of Michigan
Blue Care Network
Prior authorization and step therapy coverage criteria
August 2024
= Prior Approval/Step Therapy may apply Page 1
NC = Not Covered. You may be responsible for the full cost of the medication. Revised: 8-1-2024
* For drugs covered under the commercial Blue Cross or BCN medical benefit, please see the Blue Cross and BCN Utilization Management Medical Drug List.
Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Blue Cross Blue Shield of Michigan and Blue Care Network work to make sure you get the safest, most effective and most reasonably priced prescription drugs. Our pharmacists do
this in many different ways. Prior authorization and step therapy are two of our tools.
What is prior authorization?
Blue Cross and BCN require a review of certain medications before your plan will cover them, which is called prior authorization. This ensures you’ve tried the preferred alternatives — drugs
with a proven track record that may be better tolerated, less expensive or less likely to cause interactions — and the drug is being prescribed appropriately. If your doctor doesn’t get prior
authorization when required, your drug may not be covered. You should consult with your doctor about an alternative therapy in those cases. Most approved prior authorizations last for a set
period of time, usually one year. Once they expire, your doctor must request prior authorization again for future coverage.
What is step therapy?
Step therapy requires that you try one or more preferred drugs before coverage for a more expensive alternative is approved. This ensures all clinically sound and cost-effective treatment
options are tried before more expensive medications. If your prescribed treatment doesn’t meet the step therapy criteria, it may not be covered. You should consult with your doctor about an
alternative therapy.
What kinds of drugs need prior authorization or step therapy?
Blue Cross and BCN may require prior authorization or step therapy for drugs that:
Have dangerous side effects or can be harmful when combined with other drugs
Should only be used for certain health conditions
Can be misused or abused
Are prescribed when there are preferred drugs available that are just as effective
The criteria for medications that need prior authorization or step therapy are based on current medical information and the recommendations of Blue Cross and BCN’s Pharmacy and
Therapeutics Committee, a group of physicians, pharmacists and other experts.
Coverage of drugs depends on your prescription drug plan. Not all drugs included in these prior authorization and step therapy guidelines are necessarily covered by your plan. Also, some
medications excluded from your prescription drug plan may be covered under your medical plan. Examples include medications that are generally administered in a physician’s office or
other sites of care, rather than at home by the patient. For drugs covered under commercial Blue Cross or BCN medical benefits, please see the Blue Cross and BCN Utilization
Management Medical Drug List. Requests for medications not covered by your prescription drug plan are reviewed by Blue Cross and BCN to determine if they are medically necessary for
you or if there are other equally effective treatments already covered by your drug plan. In rare cases, Blue Cross and BCN may approve medications that aren’t covered by your drug plan.