Prescription Insurance Plans for Individuals

Health insurance is an incredibly important medical service to have. Those with health insurance are able to save a lot more money on health care compared to those going uninsured. However, with an estimated 50 percent of the uninsured making less than 200 percent of the federal poverty level—which is currently around 24,000 dollars—it’s understandable why many don’t have coverage.

Luckily, there are health care providers with the mission of insuring people with high-quality care but at a reasonable price. Insurance Line One has low prices starting at 5 dollars a day. You shouldn’t have to make an important sacrifice in order to acquire this beneficial service. However, there are certain people who should have protection more than others. They don’t need to upgrade their services for something they can’t afford but owning a service capable of assisting you financially is important when hundreds of dollars go toward it anyway.

Mental Illnesses Taking Over Your Life

There is an estimated 18.3 percent of the United States population living with a mental health condition; about 43.8 million people live with a mental illness in some form. Doing the math, this is more than the population of 11 states; Wyoming, Vermont, Alaska, South Dakota, North Dakota, Delaware, Rhode Island, Montana, Maine, New Hampshire, Hawaii, Idaho, West Virginia, Nebraska, New Mexico, Kansas, Mississippi, Arkansas, Nevada, Utah, Iowa, Connecticut and Oklahoma; and the District of Columbia.

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When left untreated these mental disorders can cause various problems. Yet, an estimated 56 percent of those with mental health conditions don’t receive treatment. Mental illnesses encapsulate more than just the “scary” popular ones—schizophrenia and bipolar disorder. Only an estimated 1.1 percent of adults live with schizophrenia and 2.6 percent live with bipolar disorder. Mood disorders, like bipolar disorder and depression, are also the third most common reason for hospitalizations.

Unfortunately, one in five Americans don’t receive the treatment they need, which is why suicide is the tenth most common reason for death. You might even be one of these million who lives with a mental condition, and it’s nothing to be embarrassed about. Millions know what you are going through and want to help you. However, when you are uninsured this makes it harder to accomplish.

An estimated 45 percent of people without health insurance don’t have a usual source of care to go to. Without a regular person to see for your needs, you are more likely to push off your problems until it’s too late. Even if you do see someone in time, you might be part of the estimated 18 percent of people who refuse to fill-up their prescription because of the costs. Going uninsured will not save you money in the long run, especially if you need expensive medication to keep you stable.

Will Health Insurance Make it Easier to Afford Medication?

Health insurance is here to make your life easier, but you first need to understand what will be making it simpler. There is a diverse amount of factors going into health insurance. However, the most important one is the type of “metal” you choose. These “metals” will determine how much you spend a month in premiums, on your deductible and in out-of-pocket spending.

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For instance, bronze packages will help you with 60 percent of the costs, but at an estimated monthly premium around 388 dollars. Typically, people who want to save the most on monthly costs choose this, because it helps during worst-case scenarios. In addition, the more “glamorous” you go, the lower your deductible will be. Moreover, you might be the type to want a bigger boost, and there are options available for this need.

Silver plans are next in line, costing somewhere around 428 dollars to help you with 70 percent of the bill. To have 80 percent of your bill covered you’ll need to spend an estimated 507 dollars each month. Finally, the grand jewel, a platinum plan, will assist you with up to 90 percent of the costs, but for a monthly premium around 583 dollars. Granted, this is typically for people who frequently need to see the doctor or have expensive medication they need to fulfill, which is why the deductible is the lowest here. Additionally, there are certain scenarios where you won’t need to have fully paid off your deductible.

Paying Off Your Deductible

Your deductible is what you need to cover before you start seeing major benefits from health insurance. Although, there are certain aspects where it will start working right away. Preventative care, such as vaccines and birth control, will quickly have it’s original price lowered. Additionally, many packages will allow you to pay a reduced amount on your medication right away. This is especially beneficial for people who just want health insurance to have their drugs discounted and are planning for the worst-case scenario.

Who Should I Acquire Health Insurance From?

When it comes to health insurance there are many options out there to choose from. However, each package is different and has their own personality. One might be cheaper than the other but it will have fewer policies to help you. Fortunately, there are healthcare providers who want to change this and make it easier for you. Insurance Line One starts their services at a low monthly premium around 150 dollars.

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You shouldn’t have to sacrifice another service for something you need to live. Furthermore, Insurance Line One has meticulously cataloged our list of services into a simplified format for you to completely understand. To avoid any confusion from affecting your decision-making we’ve simplified the process. Being perplexed can result in you spending hundreds, maybe even thousands more than necessary.

Additionally, we will also allow you to apply for our services whenever you want. Through our year-round open enrollment policy you’ll be able to take as much time as you want making this decision. You don’t want to rush into something when it determines how much you pay and who you see. Be certain the decision you make helps you in the most suitable way.

Sources:
https://www.kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/
https://www.nami.org/Learn-More/Mental-Health-By-the-Numbers
http://worldpopulationreview.com/states/

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