Health Insurance NC - Why do I Need Prescription Coverage?
When it comes to buying health insurance NC, you probably have a lot of questions. If you have ever sat down and tried to figure out which plan is best for you, you have probably felt overwhelmed. There’s nothing wrong with that. As a matter of fact, it makes perfect sense that you would feel overwhelmed. One topic that people, especially very healthy ones, often overlook is prescription coverage. I often hear “I don’t take any prescriptions therefore I don’t need prescription coverage on my health plan.” This is a big mistake and one that could bankrupt you if you choose to go this route. In this article, you will learn the basics about prescription coverage and why this is a must have with your health plan.
The first mistake people who are looking for health insurance NC make is that they think that if they don’t need prescription medication now, then they will never need prescriptions, therefore they won’t need coverage. This is a huge misunderstanding. Your agent could easily help you to not make this mistake. That’s why it’s so important that you work with a professional who will lead you in the right direction. The truth is that people who don’t use prescriptions are always in the position of potentially needing prescriptions in the future. This is all about risk, and we are all at risk.
When you look at prescription drug prices without health insurance, you can see that the prices are outrageous. For example, depression medication Abilify costs $500 per month. Rheumatoid Arthritis medication Enbrel costs over $1500 per month. One of my colleagues Aunt’s has a health plan that does not contain prescription coverage. She’s over 60 years old and recently diagnosed with Lung cancer and prescribed 150 mg Tarceva. Average monthly cost for this drug is around $4000. With no prescription coverage on her plan this will cost her close to $50000 annually, leaving her with little to no retirement. With a prescription plan in place this could have and should have been avoided.
In the end, when you are shopping health coverage, you are going to want an agent who knows the ropes and one that insists on having prescription coverage on your plan. Southeast Insurance Solutions, Inc. represents all the top carriers and we only recommend plans that have prescription coverage…in fact, we won’t even show you a plan without it. If you need to save on your monthly premium, there are changes that we can make to the plan to lower the cost but prescription coverage is not one of them. While searching for health insurance NC, if you encounter an agent that suggests otherwise you should run as fast as you can.
