Some health insurance policies do not provide for prescription coverage and a separate policy must be purchased for prescription medications.
This is an area where it pays to do some homework and research and find the best policy for you.
Prescription coverage insurance is not a necessity; like health insurance coverage, it is a calculated risk, although the risk is not as high.
Usually you can buy prescription insurance at any time, so if the doctor determines that you need an expensive maintenance drug, you may opt in at that time.
It is important to know that if you presently have prescription insurance you can usually only change it at a specific time of the year, although you can add new prescriptions, you cant change plans.
The person who seldom takes prescription medications probably does not need prescription insurance; however, a person who takes maintenance drugs for high blood pressure, diabetes, depression, heart disease or immune disorders most likely needs insurance against the high costs of drugs.
Prescription insurance policies usually have tiers, which usually means that a generic drug is at a low or no co-pay, a tier 2...
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