Step Therapy

A plan rule that makes you try a cheaper drug first before it’ll cover a costlier one. “Fail first” — effective for costs, frustrating for patients.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.