CommercialCoverageHigh impact
OTC drug exclusion reminder and SGLT2 inhibitor update
Harvard Pilgrim Health Care·Pharmacy, Endocrinology, Nephrology +2 more·Pharmacy
Effective date
Oct 1, 2026
We identified it
Sep 14, 2026
Summary
Point32Health is implementing two major pharmacy coverage changes: (1) Effective Oct 1, 2026, excluding coverage for OTC drugs and prescription equivalents (antihistamines, H2 blockers, nasal steroids, fluoride, PPIs) except pediatric formulations and ACA-mandated drugs; (2) Effective Nov 15, 2026, moving all brand-name SGLT2 inhibitors to non-formulary status for Commercial large group plans, with automatic generic substitution for Farxiga and Xigduo XR, and prior authorization required for members on other brand names.
Action Required
By September 30, 2026: Billing team must (1) Update claim denial rules in billing software to reject claims for OTC drugs and OTC-equivalent prescriptions (antihistamines, H2 blockers, nasal steroids, fluoride, PPIs) for Harvard Pilgrim Health Care Commercial, Tufts Health Plan Commercial, and Tufts Health Direct members; (2) Configure system to allow exceptions only for pediatric formulations and ACA-mandated drugs. By November 14, 2026: (1) Update billing software rules for Commercial large group Premium/Value/Select formularies to automatically substitute generic dapagliflozin or dapagliflozin/metformin ER for brand SGLT2 inhibitors (Farxiga, Jardiance, Glyxambi, Synjardy, Synjardy XR, Trijardy XR, Xigduo XR); (2) Flag members currently on Farxiga or Xigduo XR for automatic pharmacy substitution (no provider action needed); (3) For members on other brand names, notify billing team that providers must submit new prescriptions for preferred generics or request prior authorization through medical review process; (4) Update claim denial rules to reject non-preferred brand SGLT2 claims without prior auth. Failure to implement these changes will result in claim denials and member coverage gaps.