Published February 18th, 2014 by Stephanie
Healthcare costs are a great concern to everyone, from the public, to insurance providers, to healthcare professionals. There is a very delicate balance between ensuring that people have financial and physical access to the care they need while still being able to fiscally support the means to provide healthcare. While hospitals, urgent care clinics, and specialists in private practice experience one perspective on this balance, patients are quite familiar with the business side of the balance through insurance premiums, deductibles and co-pays, and the coverage of medications.
One big concern that you may have, regardless of the healthcare bill changes, is that fact that not all insurance covers prescriptions in a basic plan. This is especially evident for people who have Medicare, as part A and B are included for disability and social security. This means that a hospital stay or a doctor’s visit may be paid for by insurance, but your medications are not. Other insurance providers may offer the option of a part D coverage, but you will frequently have to pay extra for this, and there is no guarantee that your medication will qualify for coverage.
Although any type of health insurance can be helpful in making care more affordable, it does not always make it more accessible. This is especially true with medications, as many times an insurance provider will only cover certain drug manufacturers, or will only cover generic drugs, since this means that the provider has to pay out much less. Some medications that you need are still in patent and are only available as a name brand, which means that along with your insurance premium, you are also paying out of pocket for your prescriptions.
Medical Coverage Should Also Mean Medications
Prescriptions do play a large part in sustaining wellness and quality of life. It does you no good to be able to get in to see a doctor if you are not able to fully adhere to the doctor’s plan of treatment. For people with limited coverage or no coverage, there is a solution that can allow for healthy living and a good quality of life.
At usarx.com, we offer free prescription cards that provide a significant reduction in the amount that you have to pay for your medicine. This card is not a part of any insurance plan, so you do not need to worry about your provider being in a network. What we offer is a means of ensuring that healthcare is an inclusive word. For you this also means that you are able to follow through with your path to wellness, from the doctor, to the pharmacy, and into your life.