Some Health Insurance Policies Do Not Provide Forprescription Coverage And A Separate Policy Must Bepurchased For Prescription Medications.This Is An Area Where It Pays To Do Some Homework Andresearch And Find The Best Policy For You.Prescription Coverage Insurance Is Not A Necessity;like Health Insurance Coverage, It Is A Calculatedrisk, Although The Risk Is Not As High.Usually You Can Buy Prescription Insurance At Anytime, So If The Doctor Determines That You Need Anexpensive Maintenance Drug, You May Opt In At Thattime.It Is Important To Know That If You Presently Haveprescription Insurance You Can Usually Only Change Itat A Specific Time Of The Year, Although You Can Addnew Prescriptions, You Cant Change Plans.The Person Who Seldom Takes Prescription Medicationsprobably Does Not Need Prescription Insurance;however, A Person Who Takes Maintenance Drugs For Highblood Pressure, Diabetes, Depression, Heart Disease Orimmune Disorders Most Likely Needs Insurance Againstthe High Costs Of Drugs.Prescription Insurance Policies Usually Have "tiers",which Usually Means That A Generic Drug Is At A Low Orno Co-pay, A Tier 2 Level May Be The Brand Namegenuine, And A Tier 3 May Be A Brand New Expensivedrug That The Co-pay Could Be A Set High-percentage Ofthe Cost.In Choosing Prescription Insurance, You Should Firstlist The Prescriptions That You Take And The Retailamount Of Them. If You Chose Not To Purchaseinsurance, This Would Be Your Monthly Cost.Find Out From The Provider What The Monthly Premiumfor You Would Be, Then What The Prescription Co-payamount Would Be And Add These Two Figures Together.Which Is The Less Expensive Alternative?
