Cheap Prescription Drug Insurance

Health insurance is an incredibly beneficial service to have considering how expensive medical treatments are. Currently, only an estimated 10 percent of the population is going without health insurance. However, this is still an estimated 28 million people going without health insurance. Half of them makes less than 200 percent of the federal poverty level, which is currently around 24,000 dollars.

Luckily, there are health insurance companies with the goal of providing you with affordable coverage. Insurance Line One starts health insurance prices at a low price of five dollars a day. You’ll be able to see a doctor without the 250 dollar bill looming over your head. This doesn’t even include any of the exams and medications they’ll need to run or send you home with. Fortunately, there is a way to identify how much your prescription will be before you acquire it, but you’ll need health insurance to accomplish this.

How Do I Find out How Much to Pay for My Prescription?

There are many ways to see how much you’ll need to spend on medication. Many companies have developed websites to find you the cheapest place to find medication, but these are rare and not everyone can take advantage of this support. Many people have more expensive and intense medication, which can cost thousands of dollars without insurance. Additionally, there are different tiers of medication you’ll need to be aware of.

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First, there are generic drugs; these are typically the base level and can consist of generic and preferred generic. Tier one is typically the cheapest medication because the patents keeping the drugs private expired. With them being in the public domain now, companies will create their own form of medication. However, an influx in people making these drugs has allowed the price to remain at an affordably low price. People with health insurance have reported spending anywhere from a couple cents to eight dollars on these types of drugs.

Tier two consists of brand name prescriptions, which don’t usually have a generic version. Brand name drugs tend to be a bit more expensive and those with coverage have said they had paid anywhere from eight to 11 dollars. Tier three can also be labeled the non-preferred brand section because there is a brand version of it. However, a generic version is also available for this one, but it can be costly; reaching anywhere from 30 dollars to 40 dollars.

Tier four drugs are also known as specialty drugs. These can be heavy in price and price is determined through a coinsurance, instead of a copay. You can identify the rate you’ll have looking through the formulary you receive when you get coverage. However, healthcare providers tend to have different rates depending on the package you choose. It’s important to look through all of the policies laid out before you make a decision on a plan.

Dangers of Going Uninsured

Going uninsured is in the hopes you never get sick or injured. This is an outdated idea, though, and can lead to you spending more money than you originally anticipated. You might even be part of the millions who make less than 24,000 dollars a year. Being part of this statistics is nothing to be embarassed about, but you shouldn’t risk your safety because of it. There are many healthcare providers offering low prices for coverage.

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Additionally, going uninsured will most likely lead you to skip out on important doctor visits or pushing off your medication. An estimated 23 percent of people who are uninsured choose to not visit a doctor because of the costs. When you are ignoring all of the signs your body is saying to see a doctor you are only worsening your condition. Heart disease is still an incredibly prevalent disease, and it encompasses chest pain and a heart attack.

Pushing off the chest pain you feel can be the difference between a 30,000 dollar bill for heart attack recovery and 200,000 dollars. Although, you may be part of the 20 percent of uninsured people who push off a needed medical service because they couldn’t afford it, yet. This can be a life-or-death situation and to push this off may be the last thing you do. This is why health insurance exists; to aid you during these traumatic times.

This range of price for heart attack recovery doesn’t even contain how much it’ll cost for the medication you’ll need. Typically, when you survive a heart attack you are going to need to acquire tier 4 drugs or specialty drugs. These are some of the most expensive medications around, and without health insurance, you can end up going bankrupt. However, with health insurance, you will only pay a fraction of the total.

Choosing the Best Healthcare Provider

Health insurance has grown since it’s inception decades ago. It’s become such a staple in our society that to go without can cost you thousands in medical costs. However, there are still people out there who may not make enough money to obtain this beneficial service. To counter this problem some healthcare providers have made it their mission to create as many possibilities for you to obtain this need.

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Insurance Line One starts health insurance services at a low price of 150 dollars a month. When millions of people are forced to choose between which utilities they need it can cause divides in families and resentment to build. It’s one of the reasons why we have a reasonably set price for people suffering from low wages. Additionally, we’ve scrupulously organized all of our available services into a easy-to-read format.

This prevents any confusion from occurring and avoids the anger that will come when you see your outrageously high bill. You shouldn’t have to hire a lawyer just to understand how your health insurance policy will work. Using our year-round open enrollment you will be able to take as long as you want making a decision. Don’t rush into a decision just because the deadline is coming up; choose something beneficial to your life.

Sources:

https://www.kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/

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  • We can provide affordable health insurance in all 50 states.
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  • Affordable Health Insurance Plans Starting at $150 per month