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Prescription drugs

Most health insurance plans offer prescription drug coverage. Review the frequently asked questions below about prescriptions drugs for more information.

Information on the COVID-19 webpages changes frequently and is updated regularly. Check back often for the most up-to-date information.

If you have questions about your specific insurance coverage or financial services account, contact the company that handles your policy or account.

If you have questions or need to file a complaint on an insurance company or agent, contact the division’s advocacy team at 888-877-4894 (toll-free) or email  dfr.insurancehelp@oregon.gov.

Yes, most comprehensive health insurance plans offer prescription drug coverage. Check with your plan provider for specific coverage details.

Short-term health insurance plans and other products, such as a health share ministry, do not offer comprehensive health insurance coverage. They are not required to comply with Oregon laws on prescription drugs. Consumers should contact their plan provider to see if prescriptions are covered.​​


Yes, Oregon law requires comprehensive health insurance plans to provide reimbursement for up to a 90-day supply of applicable prescription drugs. Requirements for prescription contraceptives include the option to receive a 12-month supply in one refill.

Your insurance company may require you to receive the requested 90-day supply of prescription drugs through a mail delivery system, rather than your neighborhood pharmacy.​


In the event of a drug shortage, most health insurance companies are required to cover prescription drugs that are not on their prescribed list, when an appropriate drug is not available on their list.​​​


During the COVID-19 outbreak, the division expects health insurance companies to allow their members to refill prescriptions early to make sure they have an adequate supply, and to allow for 90-day supplies whenever possible.


​To the extent possible, the division expects health insurance companies to waive requirements for a consumer to visit their doctor before refilling their prescription. This expectation does not apply to opioids or other controlled substances.​​​​



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