A practical ebook for adults with regular prescriptions who want to spot costly drug coverage traps before they enroll.

Most people pick health insurance based on premium alone — then discover their medications aren't covered, got moved to a higher tier, require prior authorization, or aren't available at their pharmacy. By then, it's too late.

This guide gives you a medication-first checklist to compare formularies, tiers, exclusions, prior authorization, and pharmacy rules before you sign up.

What's Inside: • Chapter 1: Building a Prescription-First Plan Selection Mindset • Chapter 2: Cataloging Your Medications and Coverage Needs • Chapter 3: Reviewing Formulary Coverage and Drug Lists • Chapter 4: Understanding Tier Structures and Cost-Sharing • Chapter 5: Identifying Exclusions and Coverage Gaps • Chapter 6: Evaluating Pharmacy Access and Network Rules • Chapter 7: Navigating Prior Authorization and Step Therapy Risks • Chapter 8: Calculating Total Annual Medication Costs • Chapter 9: Comparing Plans Side by Side • Chapter 10: Final Enrollment with Confidence

Plus printable checklists, medication inventory worksheets, and decision tools for comparing real plan options.

One-time purchase — $19.98. Lifetime access to the PDF guide and all future minor updates.