The people of the United States pay more for their prescription medications than any other developed nation in the world. The reasons why are complicated, but they have a lot to do with politics, corporations, and greed. Unfortunately, there isn’t much you can do about the system as an individual when you need to fill your prescriptions. However, you do have some options available if you need to cover high prescription costs because you don’t have insurance or your insurance isn’t enough.
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For some people, one of the biggest expenses in a monthly budget is a prescription medication. Anyone with a chronic condition that requires medication already knows that this situation isn’t like eating out at restaurants or shopping. You can’t just cut down on medication to save money without putting yourself or a loved one at se-vere health risk.
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Most people can tolerate the expense of prescription medication because it’s temporary. It may be pricey, but they only need to buy it until they recover, and then the extra expenditure ends. But some people, with chronic, life-long conditions don’t have that end in sight. They have to pay for expensive medication for the rest of their lives, and, over the years—or even decades in the case of children—that expense adds up.
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For a lot of Americans, one of the biggest challenges is keeping fit and keeping obesity under control by keeping body weight down. That can be a hard thing to do in a nation where many people work white-collar jobs that keep sitting or standing without exerting themselves too much physically.
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If you have been diagnosed with Type 1 or Type 2 Diabetes, then you are dependent on insulin. If you find yourself having to cut down or ration your insulin because the costs to obtain it are just too high, then you can ultimately face dire consequences for your health.
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If you have an insurance plan, your insurer will negotiate with pharmaceutical companies and all the other businesses involved that bring medications to patients. The insurer will then usually pay most of the discounted price while the policy holders are responsible for a small copay. However, with medication costs going up, insurers aren’t able to cover every new drug or pay the majority of their costs even at a discount. Others don’t even have insurance because they don’t have traditional employment and can’t afford a marketplace plan.
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For most people, welcoming the new decade is a time to celebrate new beginnings, hope, and the promise of better days. While thousands of great things come hand-in-hand with the new decade, Americans must keep in mind that a new year means the possibility of the hiking of prices for goods, in particular, medications and healthcare, at a rather rapid rate of increase once more.
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Healthcare can be extremely complicated. There are also rising premiums, different coverage levels, and more that can become confusing very quickly, especially when it comes to wellness visits, urgent care visits, and even your prescription medications. So, to save on healthcare costs and educate ourselves on this otherwise complex process, we need to start being proactive about our health care costs.
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Does a risk-free method of cutting down your finances on prescription medication sound almost too good to be true? Considering the alarming rate at which healthcare costs have been growing, and are on track to grow even further within the coming years, the thought of a no-risk, high-upside way of saving on your meds sounds like it’s either heaven-sent, or nothing more than a sham.
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If you visited your doctor after hours and you were written a prescription, have you found it challenging to get that prescription filled? Sometimes getting prescriptions filled can turn into a huge frustration for everyone - the pharmacist and doctor included. You also never want to hear a voice recording from the pharmacy telling you that there is a delay with your prescription, especially if it is something you need right away. What are some other common roadblocks we come across at the pharmacy? Read on below to find out and learn some tips on how to overcome these potential problems.
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