I Can’t Get What I Need

Q. Why won’t company’s allow me to get the coverage I need? I am on regular medication for high blood pressure and high cholesterol. Every company I have applied to will not allow me to have a drug copay card, or will not cover my medications.

A. The answer is two fold.

You probably applied to the wrong company.

The carriers are not stupid.

Some carriers, but not all, will allow you to “buy up” your coverage by paying extra to have coverage for some pre-ex conditions. In these cases, you can have the coverage you want. The person that advised you to apply with a particular company was either uninformed or simply gave you poor advice.

And some medications, particularly those for cholesterol, are quite expensive. Carriers will not write your cover for $200 per month knowing they will have to pay out $400 or more in medication costs.

There are ways for you to offset your out of pocket costs for meds. One is with an international pharmacy source. Another is to look at some of the PAP’s (Patient Assistance Programs) such as those outlined here.

This entry was posted on August 11, 2006 at 8:48 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response or trackback from your own site.

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