Why might a patient need to review their insurance policy regarding pharmacy benefits?

Reviewing an insurance policy regarding pharmacy benefits is crucial for patients primarily to understand medication copayments and deductibles. This knowledge allows patients to anticipate their out-of-pocket costs for medications, ensuring they can budget accordingly. By familiarizing themselves with the specific details of their coverage, patients can ascertain how much they will need to pay when filling prescriptions and whether certain medications may require higher copayments or be subject to a deductible before coverage kicks in. This understanding can significantly impact their healthcare decisions, including adherence to medication regimens based on affordability.

While other options may involve interactions with insurance, they don't directly address the immediate financial implications tied to medication costs, making the clarification of copayment and deductible structures the most vital reason for a patient to review their insurance policy.