There are other allergy pills with the -D component. You should call your insurance company and find out what is covered before you go to the doctor. There is an Allegra-D, Claritin-D (OTC), and maybe some others. But there are other options that are all fairly interchangeable (although not all of them work the same for everybody). So check with the insurance to see what is covered, then ask the doc which one of those would work best.