A system for constructing formularies is disclosed. The system includes a central computer system (118) and at least one additional computer. The central computer system compiles a list of various pharmaceutical products and sort them into different categories. Formularies (100) are then created by selecting individual products or categories of products that will be covered. When prescription claims (122) are received, coverage is either accepted or denied based on whether the products in the prescription claims are covered by the formulary.
