Which statement describes formulary restrictions in prescription drug coverage?

• A. The rider allows unlimited drug choices.
• B. The plan may limit coverage to a specific list of approved drugs.
• C. The insurer forbids all prescription drug coverage.
• D. Drug coverage is provided only through mail-order.

Answer: (B)

Formulary restrictions involve limiting coverage to a defined list of approved medications to control costs and guide prescribing. This means the plan will cover only drugs on that approved list, and drugs not on the list may require special authorization or may be excluded from coverage. The statement that the plan may limit coverage to a specific list of approved drugs best captures this idea.

Other choices describe different concepts: unlimited drug choices aren’t restricted, which isn’t what formulary restrictions are about; forbidding all prescription drug coverage goes beyond formulary rules; and providing coverage only through mail-order describes a distribution method, not the use of a formulary to restrict covered drugs.