Prescription Drugs for the Uninsured and Under Insured

Health insurance and prescription drug coverage are important benefits that are not affordable for everyone. Even if a person is lucky enough to work for a company that offers health insurance and prescription drug benefits for themselves and their dependents, those benefits may be unaffordable and therefore unattainable. Not everyone is eligible for Medicaid or government healthcare insurance under the new laws. Some fall into an insurance coverage gap. Unfortunately, millions of people live day to day without health insurance and medication coverage.

Many of these people eventually find themselves in need of prescription medications for chronic medical conditions. Without necessary medications, they cannot maintain good health. People without medical insurance and prescription drug benefits often end up ignoring life threatening medical conditions, or they are forced to cut back on other expenses such as food, clothing and utilities. In many cases, those who are uninsured and under insured can still obtain required prescriptions.

Prescription Drugs for the Uninsured and Under Insured

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How to Get Prescription Drug Samples

When your doctor or healthcare provider prescribes medication, ask if samples of that particular formula are available. Salespeople promoting prescriptions regularly provide samples to medical offices, and doctors can request samples of many new and popular drugs. Do not be shy about reminding your healthcare provider that you do not have healthcare insurance and medication coverage. Most doctors are willing to work with their patients and prescribe medicine that is regularly provided in sample form. Understanding and generous physicians often pass these samples along to patients without prescription drug benefits. Depending on the medication that you require, even just a few sample packets can save hundreds of dollars.

Money Saving Coupons and Rebates

Medical offices sometimes receive high value coupons for pharmaceuticals. If your physician does not have coupons for the prescriptions that you require, ask if a salesperson can be contacted who might be willing to provide them. Salespeople are usually more than willing to provide coupons that promote medications for the companies that they represent. You can also try contacting drug companies directly to inquire about coupons, rebates and special offers. Many drug companies offer special promotions and incentives for using their products.

Prescription Drugs for the Uninsured and Under Insured

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Generic Equivalents

If your doctor or healthcare provider cannot obtain samples or coupons for the prescription drugs that you need, ask if generics are available. Drugs that have been on the market for a number of years often have generic equivalents. Do not be fooled by brand names. When generic drugs are proven to be just as effective as name brand equivalents, and they can save uninsured or under insured consumers a considerable amount of money.

Prescription Drug Plans

Reasonably price prescription drug plans are available for those without health insurance, but do not sign up for one of these plans without asking lots of questions. These plans can be very helpful for some, but nearly useless for others. Before signing up for a low cost prescription drug plan, do your homework. Ask a company representative if the pharmacies in your area work with their plan. Also, ask if the medications that you require are covered under the plan. Many prescription drug plans sound good until the consumer discovers that what they require is barely covered or not included at all.

Comparison Shop

Shop around for the lowest prices on prescription drugs. It is surprising how the cost of prescription drugs vary from pharmacy to pharmacy. Call your local pharmacies to save time, gas and money. Alternately, you might want to consider buying your medications through an online provider. Shopping the Internet for a prescription can save money by eliminating the cost of vehicle operation, and most of all, shopping online saves valuable time.

In any case, promptly inform your doctor if you cannot afford your prescriptions. Do not stop taking the medication, and do not alter the dose in an attempt to make it go further. Your healthcare provider plays an integral role when it comes to your health, and they can provide viable solutions to financial problems. In cases without clear financial remedies, physicians are often more than willing to search for alternate methods of care.


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