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Below you will find four simple ways to cut your prescriptions costs without putting your health at risk:
1. Talk to your doctor.
Be upfront with your financial situation. Most physicians got
into medicine because they like helping people. If the physician is aware of
your financial situation, he may be able to prescribe a medication that is more
economical for you.
2. Ask for the Generic Drugs.
Ask your doctor if there is a generic equivalent or an
over-the-counter medication that may meet your needs. Keep in mind that when a
patent on a brand name drug expires, other pharmaceutical companies can make the
drug, which creates competition and drives the prices down. These drugs are
required to have the same active ingredient as the brand name; however, they are
not required to have the same inactive ingredients.
3. Check you health insurance plan.
Check to be sure you plan covers pharmaceuticals, the
co-payments, and if their is a maximum amount the plan will pay per year for
pharmaceuticals. Also, be sure you investigate what drugs are covered as well as
the drugstores that accept this plan. If you need a prescription that is not
covered, your physician may be able to request an exception by filling out a
form. Unfortunately, some HMOs may have you go through an appeal process.
4. Compare drug stores.
Shop around for a pharmacy that offers the best price for your
needs. You may be surprise to find your prescriptions prices vary from one
pharmacy to another. Call a few pharmacies (wholesale and retail) ahead of time
and ask them if they have the prescriptions available, compare the prices with
and without your insurance, and check online. And do not let that "lack of
membership card" from wholesale places stop you, because in some states, you do
not need it to use the pharmacy! You might be surprised to find a drug store
running a special promotion on a popular drug.
Simple cost saving tips like these and more can be located in
"Healthcare for Less," which is available at all major bookstores and online at
www.amazon.com.
http://www.healthcareforless.us
Article Source: http://EzineArticles.com/?expert=Michelle_Katz
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