The Truth About Medication Insurances: Revealed!

Having different sorts of insurances have become so important to all of us. In fact, many people insure their most cherished possessions such as cars, houses and a lot more. Also, others even insure their treasured body parts for large amounts of money. The good thing about insurance plans is that they pay for a portion of the total expenses for the damages incurred during accidents or any other unexpected circumstances. The remaining amount shall be taken cared of by the patient.

In Pennsylvania, many of the senior citizens are entitled for a prescription drug program called PACE/PACENET. It provides comprehensive prescription coverage to older Pennsylvanians to cover the cost of their medications that require prescriptions including insulin, syringes and insulin needles. However, these programs don’t cover over-the-counter medicines, medical equipment or doctor, hospital, dental or vision services. More so, there are no monthly fees charged to people who enroll in these programs. Low cost medication insurance coverage is also available through the adultBasic Insurance program. This program offers basic insurance benefits to uninsured, low-income individuals between the ages of 19 and 64 with benefits such as preventive care, physician services, inpatient hospitalization/outpatient services, diagnosis and treatment of illness or injury, and emergency accident and medical care.

Insurance companies don’t use your doctor’s notes and records on deciding if they’ll or they’ll not cover the cost of medications. Actually, they could. But no, instead they oblige your doctor to fill out and submit for their review a special "medication pre-authorization form". Complete information is what your insurance company wants on these extra forms. They need a listing from your doctor or someone in your doctor’s office of all the medications that you’ve tried, description of the results of these medications, description of your medical condition and diagnosis, and an explanation why the prescribed medication is necessary. After all these things are done and after copying this information from your doctor’s notes onto your insurance company’s special form, you are not still guaranteed if your insurance company will pay for the medications. Quite ambiguous, right?

Indeed, medication insurances are on the rise and there’s no exception to the rules. However, the biggest problem that most of the ill and disabled individuals face is their ability to sustain the expenses for their medications. This has been one of the foremost reasons why they have no chance of survival; they all face their sudden deaths rather. It may be a necessity, but its high costs don't have to be. Affordable medication insurance is increasingly harder to find. More so, it’s difficult to look for an insurance company that offers affordable medication insurance prices.