Hi! :D please help 1. what is a formulary? who pays the cost of items not listed?
2. when should you review your health insurance options? why should you review the available plans?

1. A formulary is a list of prescription drugs that are covered by a specific health care plan. ... Patients pay co-pays on formulary drugs. If a drug is not on the list, the patient will pay much more, up to the full cost of the drug. Every health care plan has a different list of acceptable drugs and co-pay prices.

2. Because the policies and your needs are always changing, you should review your health insurance policy annually. Performing an annual review can give you comfort knowing that staying with the same plan is right for you. Or, you may discover that other options are more suited to your needs and budget at this time.

(Bolded = important to question, underlined = important to know, italic = important words you can use with a health formulary subjection)

Explanation:

answer; the above is true;