Concerns about medications being covered under new health insurance plan

Hello and thank you in advance for any help you’re able to provide!

I’m currently enrolled in Amerigroup through NJ Family Care, I have been for the last few years. I will soon be submitting my renewal application and have a feeling I will no longer be eligible for their healthcare due to an increase in income this year. As someone who has regularly monthly doctors appointments and medications, I am trying my best to make sure I will not have any lapse in coverage. I am a seasonal employee who will be returning to work in August, and will be employed for 7 months. I will be able to pay for health insurance through my job, and they offer Cigna.

So, here is where I am concerned about switching over, and what to do when my contract ends after 7 months. I am currently taking a name brand antipsychotic, vraylar, and a generic adderall for bipolar and adhd. I have been on this combination for over a year now and this has been the only one that has been successful for me. I looked into Cigna’s medication coverage and found that vraylar is covered through their plan as tier 3, meaning it is expensive and will not be covered unless other similar medications are tried first. I have already been through this process once, and am very concerned about potentially having to go through it again, as I dealt with many adverse side effects of other antipsychotics in the past until being put on vraylar. Does anyone know if new insurance companies will still make you try other, cheaper medications before approving the more expensive one that is needed? Is there a way to ensure that they will? I genuinely fear what not being able to have access to this medication will do for my health in the long term.

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