A drug formulary is a list of medications that a health insurance plan agrees to cover under its pharmacy benefit. Health plans periodically update their drug formularies, sometimes at the start of a new plan year and sometimes even when the plan year is under way. This may result in bleeding disorder medications being removed from coverage or placed under new restrictions such as prior authorization, step therapy, or higher cost-sharing. If you receive notice that your medication has been excluded or restricted, the steps below can help you and your healthcare team respond in an organized and practical way.