subject: Making Prescription Drug Coverage Part Of Your Protection [print this page] Prescription drug coverage have been placed in a league of their own, in that many companies offer this coverage as a separate independent option, that is not part of the health insurance package. It is important to get the most and best coverage that you can with this option. It seems that the very best prescription drug plans are really quite affordable and will relieve you from the high cost of medication.
Some plans prefer the generic brands as opposed to the name brands and this is because they are most cost effective. Most doctors don't have a problem with writing generic prescriptions as a matter of fact most believe that generic drugs are just the same as the name brand ones with few exceptions. If your prescription plan offers a better deal on generic drugs make sure that you ask your doctor to write your prescription to allow for generic options where available.
Prescription medications can be one of the largest health care expenses you face and it is important that if your health insurance coverage does not include prescription coverage that you make sure that you pick up a prescription plan that provides up with good coverage. Many drugs will cost you upward of $200 if you don't have insurance so this can be essential to helping you to save money.
If you are unsure about your prescription coverage then you need to find out what is and is not covered. This will help you to identify how much money you will need to keep on hand to help you pay for necessary drugs. Those with Medicaid don't need to worry because they have reasonable prescription coverage but those on Medicare need to make sure that they select the additional prescription coverage on Medicare Part D to help them pay for the medications they need. Even with this selection many seniors still pay way too much for prescription drugs.
Looking at a broad overview of a persons health insurance and prescription coverage, it is easy to see that have a important prescription addendum can and usually does reduce overall health care costs and help have some serious money, regardless of your sick or healthy status. However, before you ever commit any health insurance plan, be sure to investigate the prescription drug coverage ahead of time and ensure that you have the proper coverage you need before you have to use it.
by: Ethan Kalvin
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