Find tools, information, and other resources to help you get the most out of your benefits.
What is a coverage determination?
A coverage determination is a decision made by NHC Advantage (not the pharmacy) about your prescription drug benefits, including:
- Whether a drug is covered
- Whether you have met all the requirements for getting a requested drug
- How much you’re required to pay for a drug, and
- Whether to make an exception to a plan rule when you request it
What is an exception?
If a drug is not covered by NHC Advantage, you can ask the plan to make an “exception.” An exception is a type of coverage decision. Similar to other types of coverage decisions, if we turn down your request for an exception, you can appeal our decision.
When you ask for an exception, your doctor or another prescriber will need to explain the medical reasons why you need the exception approved. We will then consider your request.
What is a good cause exception?
You must make your appeal request within 60 calendar days from the date on the written notice we sent to tell you our answer to your request for a coverage decision. If you miss this deadline and have a good reason for missing it, we may give you more time to make your appeal. Examples of good cause for missing the deadline may include if you had a serious illness that prevented you from contacting us or if we provided you with incorrect or incomplete information about the deadline for requesting an appeal.
Who can request a coverage determination / exception?
A coverage determination may be requested by any of the following:
- You or your representative may request a coverage determination.
- Your prescriber (your doctor or other health care provider who is legally allowed to write prescriptions) can request a coverage determination for you on your behalf.
Where can a coverage determination/exception be filed?
To request a coverage determination, ask your provider or prescriber to visit this page.
Provider or Prescriber instructions:
To request a coverage determination, including an exception, from NHC Advantage, visit Navitus and login to access the form or fill out the
To request a Medicare Prescription Drug Appeal (Redetermination), visit Navitus and login to access the form or fill out the
Fax or mail the completed form to Navitus at:
PO Box 908
Addison, TX 75001-0908
You may also contact our Member Services Department at 1-844-854-6886 (TTY 711) and request the fax number for Appeals and Grievances.
Your provider may also request an exception or expedited exception by contacting the Pharmacy Help Desk at 1-866-270-3877 (TTY 711) 24 hours a day, and 7 days a week.
Our plan has seventy-two (72) hours (for a standard request) or twenty-four (24) hours for an expedited request) from the date it gets your request to notify you of its decision.
When can a coverage determination / exception be requested?
A coverage determination may be requested for any of the following:
- Covering a Part D drug for you that is not on the List of Covered Drugs (Formulary).
- If your health care provider or prescriber believes you need a drug that isn’t on the List of Covered Drugs (Formulary).
- If your network pharmacy can’t fill a prescription as written.
- To remove a restriction for a covered drug.
- If you or your prescriber believe that a coverage rule (such as prior authorization) should be waived.
- Changing coverage of a drug to a lower cost-sharing tier.
- If you think you should pay less for a higher-tier drug because you or your prescriber believe you can’t take any of the lower-tier drugs for the same condition.
- Request for payment.
Important things to know about asking for exceptions
Your doctor or other prescribers must give us a written statement that explains the medical reasons for requesting an exception. For a faster decision, include medical information from your doctor or other prescribers when you ask for the exception.
NHC Advantage can accept or deny your request.
If we approve your request for an exception, our approval usually is valid until the end of the plan year. This is true if your doctor continues to prescribe the drug for you and that drug continues to be safe and effective for treating your condition.
If we say no to your request for an exception, you can ask for a review of our decision by making an appeal. If your health requires a quick response, you must ask us to make a “fast decision”.