4 Alternatives To Paying Full Price On Medication
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.
At times like these, patients sometimes have to pay the full, inflated price of medication even though pharmaceutical companies themselves admit they don’t intend for anyone to pay the list price. Fortunately, you can find several ways to avoid this fate by finding ways to move costs around, get other discounts, or avoid the cost of medication in the first place.
The best way to keep your medical costs down is to avoid getting sick in the first place. To some extent your health and your body are out of your control, but there are a lot of ways you can keep yourself strong, healthy, and protected against disease.
• Stay active and work out for at least 15 minutes every day.
• Eat healthy foods in moderation, and make sure you get plenty of valuable nutrients in every meal.
• Practice stress-relief methods so that you can stay calm for a majority of your day.
• Get a full eight hours of sleep every night.
• Avoid tobacco and nicotine products in general, and if you drink alcohol then do so in moderation.
• Bathe or shower every day, wash your hands after every trip to the bathroom, and brush and floss your teeth at least twice per day.
• If someone close to you is sick and contagious, keep your distance if you can and wash your face and hands after contact.
• Keep your work and living spaces clean by dusting sweeping, and vacuuming at least once per week.
• Pay attention to expiration dates and never eat anything that looks or smells off.
• If you feel off, visit a doctor early instead of waiting for your condition to get worse.
Healthy living can be complicated, especially if you have a stressful job that barely covers living expenses. Still, if you can keep your health up it will save you money in the long run. Eating in moderation can save you money by cutting down on snacks and empty calories. A low-stress attitude can improve your job performance and lead to promotions or better positions elsewhere. Most of all, living healthy will keep you from having to spend a lot of money on checkups, treatments, hospital visits, and long-term medication.
2. Over-The-Counter Medication
Over-the-counter (OTC) drugs tend to be much weaker than prescription drugs. After all, the FDA trusts OTC drugs in the hands of people who don’t visit a doctor first, so they can’t be very dangerous. However, they can still be very effective at reducing pain levels, cutting fevers, treating athlete’s foot, and dealing with other symptoms.
While you should always see a doctor if you experience serious symptoms, you should find out during your visit what all your treatment options are and whether OTC drugs or nutrition supplements can help. An OTC treatment is almost always going to cost you less than a prescription treatment, and so if one can improve your condition you should make full use of it.
3. Get A Discount Card
Even if you don’t have an insurance company bargaining for you, you shouldn’t have to pay the list price on prescription drugs. Thankfully, you don’t have to thanks to companies like USA Rx. Our business is to negotiate for discounts with various pharmaceutical companies and pharmacies, and since our profits come from a small percentage of the discounted price, our cards are completely free for anyone to use. So long as you have our card information, you can save money on prescriptions no matter what your insurance situation looks like.
Discount cards are effective for people who can’t get a regular insurance policy because they’re in the United States as visitors or because they’re unemployed. At the same time, some people who have insurance policies find that they can get a better discount through our service because their insurance doesn’t cover the medication they need or because they don’t pay a reduced price until after they’ve spent thousands of dollars on their health care. Either way, you don’t pay any money to get a discount card, so you might as well get one so you can save money on prescriptions.
4. Physical Therapy
Some problems have multiple solutions. For instance, issues like arthritis and sciatica can often be treated through regular physical therapy sessions instead of using expensive and potentially addicting painkillers like oxycodone and morphine. When it comes to mental health, treatment sessions with a trained professional are often more effective and provide more lasting results than medication, although in most cases medication should be a part of the overall treatment.
Alternative medicine sometimes shows results, although not every treatment type is scientifically tested or recommended. The right supplements could do a lot to improve your help, and there are several reasons why massage therapy can improve your health. However, you should be careful who you trust and who you visit, because alternative medicine doesn’t go through the strict tests set by the FDA for prescription and OTC medications.
No one should have to pay full price on medicine in America, and thankfully there are several options available that can keep that from happening even if you don’t have an insurance plan. Medication alternatives can be just as effective depending on the condition you’re suffering from, and living healthy in general will protect you from a lot of common illnesses. And if you do have to visit a pharmacy and pick up a prescription medication, you can save money anyhow by getting a pharmacy discount card and making full use of the discounts it provides.