I'll assume since Zyrtec-D isn't covered, regular Zyrtec isn't either. But I think regular Zyrtec is cheaper, and if you get that and buy 12 hour sudaphed, you'd basically be taking the same thing as Zyrtec-D. You might want to try Claritin, which is OTC, but that doesn't work for a lot of people. Also, maybe the decongestant Duratuss will be covered by your company. Sorry, I can't be more help.