Health Insurance

March 3, 2020

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Health Insurance Basics
Photo Courtesy: kaiserhealthnews.com

Your Health Insurance Doesn't Cover Your Prescription, Now What?

Without health insurance, prescription medications can be hundreds even thousands of dollars. This medication can be vital to your health and wellbeing, yet it may be too expensive for you to afford right now, so what should you do? There are a few different ways a situation like this can be handled:

  1. Contact your doctor and request an “exception.” Your doctor is able to connect with your insurance company and request that they cover this medication because it is necessary for your wellbeing.
  2. Write a letter of appeal to your insurance company. Unfortunately, the insurance company won’t always honor your doctor's request. Submit an appeal yourself to your insurance company, and include your name, address, phone number, insurance ID number, date, and desired pharmacy address. To see an example of a letter, check out this website.
  3. Try GoodRx. This web application is a free and easy-to-use resource to get amazing coupons for different medications. It compares the price of the medication at all surrounding pharmacies. You could save up to 80% on FDA-approved drugs, including both name brand and generic. 

If you want to avoid being turned away at the pharmacy counter, it is always best to contact your insurance company ahead of time to find out what you are covered for. You can visit your insurance company’s website or call them directly. Be sure to advocate for your health and fight for the medication you need and deserve to keep yourself healthy.

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