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Prescription Plans

When choosing an insurance company, many people focus on the medical coverage. Are doctor’s visits covered? What about Hospital stays and emergency services, are these covered, as well?

However, after taking into consideration all the aforementioned areas of coverage, what about prescription drug plans, that while often the most neglected is also the one that can be the most expensive and draining of out-of-pocket cash flow?

While these plans do not cover 100 percent of your prescriptions, many Florida insurance companies offer prescription plans that cover a majority of the costs at minimal cost to you. These companies can offer prescription plans as part of your overall plan or as a separate entity. The most important thing to remember is while the prescription card can save you money; the difference between the cost and the savings must be carefully weighed.

There are lots of good savings plans, so shop around. Some plans offer consumers the option to buy mail order prescriptions after you buy in-store a mandatory amount of times. This can offer significant savings especially if you buy in bulk. For example, one plan offers that if you buy a certain prescription in singular units they are $20 per piece. However if you buy them at the three-month rate it is a total of $45. That is a $15 savings and you get to stay in the comfort of your own home.

Another plan offers copayments in return for prescriptions. Your money is refunded if you do not see savings. Some other plans give you discounted rates when you are on a medication for a pre-determined period of time.

A more controversial method of low priced prescriptions is to buy them from Canada. This option has received much governmental and media attention in the last few years. While it is not an endorsed means of purchasing your prescriptions, it is a viable way to receive the medication you need at a low cost.

So do your homework, see what each Florida insurance company has to offer. You may just find a bargain in your own backyard.

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