Formulary Management

The drug list, also called a formulary, includes both brand and generic drugs. It will tell you whether any restrictions or limitations to coverage exist such as:

  • Prior authorization
  • Step therapy
  • Quantity limits

Drugs that are subject to these rules are clearly labeled in the drug list and on our drug pricing tool.

We may periodically make certain changes within our formulary, such as:

  • Adding or removing a drug from the drug list
  • Moving a drug to higher or lower tier
  • Adding or removing coverage restrictions
  • Replacing a brand name drug with a generic
  • Or if the U.S. Food and Drug Administration finds that a drug on the formulary is unsafe and the manufacturer removes it from the market, we will update our formulary accordingly.

If you happen to be taking any of the drugs that fall within these changes, we will notify you of these changes.

We may have monthly changes to our formulary. This means that certain drugs may no longer be covered. Please check the current formulary for list of covered drugs and talk to your doctor to see if an alternative covered drug is appropriate or to ask us for an exception.

Formulary

Prior Authorization Criteria

A prior authorization may be required for certain prescription drugs.

Step Therapy Criteria

You may be required to try a certain drug to treat your medical condition before another drug is covered for that condition.

  • Important Message About What You Pay for Vaccines – Our plan covers most Part D vaccines at no cost to you, even if you haven’t paid your deductible. Call Pharmacy Member Services for more information.
  • Important Message About What You Pay for Insulin – You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on, even if you haven’t paid your deductible
Page Last Updated On: January 15, 2026
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Tida Garcia

Tida Garcia

Vice President of Contracting and Network Operations

Tida Garcia is Vice President of Network Operations for eternalHealth, where she oversees provider network operations including management of provider relationships and network performance. Tida brings extensive experience in provider claims, network adequacy strategy, and Medicare Advantage operations, along with deep expertise in delegated oversight.  She has led delegated oversight for large carriers including monitoring and performance management of delegated providers and entities, ensuring regulatory compliance operational integrity, and strong network performance.  Tida partners cross-functionally to support a scalable, high-quality care delivery model.   

Tom Lawless

Tom Lawless

Chief Financial Officer

Tom Lawless has spent the past 20+ years building, sustaining, and growing new healthcare-related programs that balance fiscal responsibility & prudence with creativity & innovation, focusing on models of care that are novel, person-centered, and improve the social welfare of those who are served. He is very excited to continue doing so in his role as the Chief Financial Officer of eternalHealth.

Tom comes to eternalHealth from a not-for-profit, member-centric, health insurance cooperative. He helped the company continuously strive toward its dual goals of thriving financially, while keeping members at the very epicenter of its mission and service model. While there, Tom also spearheaded the creation of a brand new private, charitable foundation, which will be meaningfully giving back to those in need in the surrounding communities for years to come. Previously, Tom worked in the finance department of a successful hospice that provided high-quality care to persons experiencing their unique and poignant end-of-life journeys, assuring that the appropriate financing was always available. Tom’s career began as a civil servant in the Wisconsin Medicaid program, where he helped to create a program that expanded the institutional entitlement to care into home and community-based settings. Starting with only a blueprint in hand, the program now serves more than 57,000 frail elders and disabled adults and is considered a national model. Growing into a senior leadership role, Tom was a key architect of an innovative financing model, through which the public and private sectors successfully collaborated to better the lives of persons in great need.

Tom holds undergraduate and graduate degrees from the University of Chicago, with additional graduate work in economics completed at the University Wisconsin-Madison.

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