Smoking-Cessation Drugs
Smoking-cessation drugs are prescription medications designed to help individuals quit smoking by reducing nicotine cravings and withdrawal symptoms. Examples include bupropion and varenicline. These medications are considered lifestyle-related but medically supported treatments.
Not all health plans cover smoking-cessation drugs, and those that do often impose small annual or lifetime maximums. The coverage may also include nicotine replacement therapy if prescribed by a doctor.
Example:
If your plan covers smoking-cessation drugs up to $500 per lifetime and your prescription costs $275, you can claim $225 more in the future.
What to Watch For:
Check for lifetime limits and whether the medication must be prescribed by a physician to qualify. Over-the-counter nicotine patches are usually excluded unless stated otherwise.
