Standard health insurance plans provide some benefits for prescription drug coverage. The details and copay amounts will vary by plan, however, coverage may be similar. Prescription drugs are those medications which require a written order from an appropriately licensed healthcare provider in order to be dispensed by a pharmacist.

Depending on your coverage, a deductible may or may not apply in the case of drug coverage. In general, most health plans require a higher copay for brand name drugs than for generic drugs. Requesting generic prescriptions from your healthcare provider may reduce your out of pocket expense. Some health plans offer a more cost effective benefit for those choosing to fill prescriptions for a 90-day supply of a routine medication and using an approved prescription drug mail order service.

When selecting a new health insurance plan, it will be beneficial to list your family’s routine medications and determine if those drugs are covered. Experimental drugs and drugs used for off-label purposes may not be covered. Do not assume all prescription drugs will be covered. Read all exclusions listed in the plan.

If you need a good deal on your prescriptions today, We offer a FREE prescription Discount card on our website:
Free Prescription Discount Card