Little Guyana Pharmacy is committed to making prescription medications accessible, affordable, and transparent for all patients. This Insurance and Payment Policy explains how insurance coverage, copays, and payment responsibilities are handled at our pharmacy so patients know what to expect when receiving services.

Little Guyana Pharmacy works with most major insurance plans, including Medicaid, Medicare Part D, and many private insurance providers. Insurance acceptance may vary depending on the specific plan, prescription, or coverage details. Our pharmacy team verifies insurance information at the time prescriptions are processed and makes every effort to ensure claims are submitted accurately and promptly.

Copays, deductibles, or out-of-pocket costs are determined by your insurance provider, not by the pharmacy. Any copay or patient responsibility amount required by your insurance must be paid at the time the prescription is dispensed, unless other arrangements are required by law or policy. If you have questions about your copay or coverage, our staff is happy to explain the information provided by your insurance plan.

Coverage verification is an important part of the prescription process. When a prescription is received, we verify eligibility, coverage status, and any restrictions imposed by the insurance provider. In some cases, insurance plans may require additional steps such as prior authorization, quantity limits, or step therapy. If this occurs, our team will assist by coordinating with your healthcare provider and insurance company whenever possible to help avoid delays.

If an insurance claim is denied, rejected, or not covered, Little Guyana Pharmacy will inform you as soon as possible. Denials can occur for a variety of reasons, including plan restrictions, expired coverage, required authorizations, or formulary limitations. When a claim is denied, we will review available options, which may include contacting your insurance provider, requesting clarification from your prescriber, or discussing alternative medications that may be covered.

In situations where insurance does not cover a medication, patients are responsible for the cost of the prescription. When appropriate, we may help explore lower-cost alternatives, generic options, or other available savings opportunities to help reduce out-of-pocket expenses. Payment for non-covered prescriptions is due at the time the medication is dispensed.

Little Guyana Pharmacy reserves the right to request updated insurance information when coverage changes or if existing information is incomplete or inaccurate. Patients are responsible for notifying the pharmacy of any changes to insurance coverage, contact information, or eligibility status to ensure timely and accurate processing.

This policy is intended to provide general guidance regarding insurance and payment practices and does not override the terms of any insurance plan or legal requirements. Insurance rules and coverage decisions are determined solely by the insurance provider.

If you have questions about insurance acceptance, copays, or payment responsibilities, our team is available to assist you. Please contact Little Guyana Pharmacy at 119-08 Liberty Ave #119-06, South Richmond Hill, NY 11419, or by phone at (516) 846-6040. We are committed to transparency, fairness, and helping patients navigate their prescription coverage with confidence.