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Medicare
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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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Life
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Life Insurance

We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.

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Auto Insurance

We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.

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Home Insurance

Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.

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Pet
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Pet Insurance

Pet Insurance can be complicated. Explore our guides to basic coverage, end-of-life plans, chronic health conditions, and more.

Step Therapy

Back to Medicare Glossary Terms

A type of prior authorization where you must try a less expensive drug on the Medicare Part D plan’s drug list that has been effective for most people with your condition before you can be given a more expensive drug. Generally speaking, this means trying a more affordable generic version of a drug. The name brand drugs are known as Step 2 drugs and Medicare will not cover the cost of those until Step 1 drugs are tried first for treatment.