Published June 12th, 2014 by Stephanie
These days, health insurance and the laws surrounding it are changing on a constant basis, or at least they seem to be. It's still a regular part of the news feed and plenty of people are divided over whether or not the new insurance laws are really in their best interests. At USA RX, we understand that it can be confusing and know that sometimes it's not easy to understand just what it is you're looking at in terms of insurance policies.
One of the biggest issues lies not in getting health coverage, but getting prescription medication coverage. Sure, a doctor's visit can cost a substantial amount, but in many instances that's a one-time fee. If you're prescribed medication, however, it can suddenly become a large monthly expense that is difficult to keep up with.
That's why prescription drug cards, also called pharmacy discount cards, have gotten so much attention lately. These are essentially cards that provide coverage to you that will reduce prescription medication costs. You'll pay a regular monthly premium just like with other insurance, but the only thing you'll use your card for is to get discounted prescription medications.
So is it really worth it? The answer is that it depends. You'll need to start by figuring out what kind of prescription drug coverage you have in your current medical insurance plan. Take a look to see if you already have prescription coverage and if so, just what it is. Even some good insurance policies that offer prescription discounts don't really offer great coverage, and you'll want to compare the cost of drugs under your current plan to what they would be if you had a pharmacy discount card.
Also think about your deductibles. Sometimes, prescription coverage doesn't kick in unless you actually meet your deductible for the month or year. In these cases, you may need to consider additional prescription coverage. ?And finally, pay attention to whether or not the medications you may need are covered. Not all insurance policies provide coverage for all drugs. Look into what is covered and what isn't.
Once you spend some time comparing whether or not your current insurance covers your drugs, consider just how much you spend or could end up spending on medications over the next year and then compare it to the cost of a pharmacy discount card. Odds are good that you'll find that an RX pharmacy card may be well worth investing in.
If you're looking for the right card for any situation, we can help. The USA RX pharmacy discount card will make it easier for you to get the medications you need for less. Contact us today to find out more.