Is this cash or insurance?
Ask whether the bill is sent to your insurance. Also ask whether what you pay counts toward your deductible. That is the amount you pay yourself each year before insurance starts to pay.
Payment terms
Which price are you being shown?
A price can mean several things. It may be the list price set by the maker, or the price without insurance. It may be the price through your insurance plan, or a short-term offer. Find out which one you are looking at.
What belongs in writing?
Is this an opening offer?
Ask when the offer ends, what the next charge will be and what action keeps the price.
What if coverage is denied?
Ask whether you owe for visits, forms or tests even when the medicine is not covered.
Does the health reason change coverage?
Yes. As of September 2026, Medicare drug coverage does not have to pay for a medicine used only for weight loss. It can pay for the same ingredient when it is prescribed for another approved health reason, such as type 2 diabetes.
“Can pay” is not the same as “will pay.” Your plan still has its own list of drugs it covers and may ask for approval before paying.