Save Money on your Prescriptions Without Compromising your Health

By |2018-10-16T18:35:29+00:00January 2nd, 2019|Categories: Blog and News, NHIA Blog|Tags: |

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Saving money on prescriptions starts when you are shopping for actual coverage. You need to look carefully at the plan to make sure that it covers prescriptions. Some of you might have unique medications that you have to take so be sure that the plan you choose covers those medications. If there are limitations that will affect you, then it’s best to find another plan.

Did you know that Americans collectively spend more than $400 billion every year on prescriptions? That’s a mind-blowing number. What makes it even worse is that most of these individuals are overpaying and don’t even realize that it can be prevented. A lot of people don’t even know the proper healthcare terms used in the business. This post will show you come amazing ways that you can save money on your prescriptions without compromising your health.

Ask About Generic Alternatives

Ask your healthcare provider if there are any options available besides those expensive name-brand medications. You are not really questioning your doctor about their diagnosis or anything. You are just trying to be proactive about the medications you receive. With very few exceptions, the generic brands are no different than name-brands since it’s all regulated. Sometimes it’s even cheaper to buy the generic brand out of pocket than it is to buy the name-brand using your coverage.

Always Think About the Long-Term

If you know that you are going to be taking a medication for an extended period of time, then you can usually get it in bulk for much less money. For instance, you can get a 90-day supply of blood pressure medication for less than if you were to buy two 30-day prescriptions. This is going to save you a lot of money in the long-term.

Which is Cheaper: Insurance, Cash, or Discount Card?

There is a huge misconception about buying prescriptions. Most people believe that their insurance provides them with the best deal. That is not always true! In today’s world, there are some amazing discount cards that will help you save huge on prescriptions. Next time your pharmacist asks you if you would like to use your insurance or not, you won’t give them that puzzled expression of, “Of course I do! Why else would I have insurance?” Instead, you will have done your homework and know which option is best for you.

Shop Around for the Best Deal

The price of prescriptions is going to be different based on the pharmacy you choose to shop with so be sure to shop around. Compare costs of at least three pharmacies before you make a decision. I have heard stories of people who shop at the same pharmacy watching their rates increase over time to as much as $250 per year. Then they ask another local pharmacy about the cost of the same medication and it’s way cheaper. My point is that pharmacies will gradually increase prices because they don’t really expect their customers to check up on it.

Finally, it’s also worth noting that you can save big money by using mail order prescription services. Most insurance plans have access to this for individuals who might have to take long-term medications.

Prescription Medication Concerns and Affordable Health Insurance Quotes

By |2015-12-19T12:52:21+00:00December 19th, 2015|Categories: Blog and News|Tags: , |

Looking for affordable health insurance quotes can be stressful, as health care costs are expensive. Even if you have health insurance, you might still pay more than can afford for doctor visits and other tests. One of the most expensive things linked to the health care industry is prescription medication. Of course, most insurance policies cover medication, but not all coverage is the equal. When you’re comparing affordable health insurance quotes, here are some things to keep in mind for drug coverage.

Tiers of Coverage

A lot of health insurance policies have tiers for determining how much that they pay for a prescription drug. The more expensive the drug without a generic available means the higher up on the tier system it usually is. This will leave you paying a lot more money out-of-pocket if you need one of them. When comparing policies, you will want to check if they use a tier system, and see the medications that are on each tier.

Generic VS. Name Brand

Some insurance policies will pay a lower percentage of a name brand drug than a generic drug. In some cases, there might not be a generic version available, leaving you paying a lot of money for needed medication. Your doctor might not want you taking a generic for some reason. When comparing quotes, take some time to consider its coverage for generic and name brand drugs.

Some Prescriptions Not Covered

In some cases, an insurance company might not cover a certain drug at all. It might be that there are several prescriptions possible for the same condition, and the insurance company doesn’t want to pay for the most expensive ones. Sometimes, the insurance company will approve payment for a drug not covered when they talk to your doctor. These are things to look for in your quotes.

At National Health Insurance Agencies, we understand the ins and outs of prescription coverage. Contact us to learn more about what to look for on a quote.

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This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.
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