Safe Step Act

The Safe Step Act requires health insurance plans and employer-sponsored health coverage to create a transparent process for patients or their doctors to request exceptions to medication step therapy protocols. These protocols typically mandate trying a lower-cost drug first before covering a more expensive alternative. Exceptions must be approved if previous treatments failed, delaying coverage would cause severe harm, the required drug is unsafe, or the patient is stable on the requested drug. Health plans must respond to requests within 72 hours (or 24 hours in emergencies) and make the process details available online.