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Can you tell me about prescription
insurance? How much does it usually cost, and does it include
prescription delivery? |
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Q: Can you tell me about prescription insurance? How much does it
usually cost, and does it include prescription delivery?
A: Prescription insurance, often referred to as a prescription drug
plan, is an insurance policy that covers all or part of the cost
of prescription medications. Prescription drug plans can be purchased
on an individual basis or can be offered as part of a group-sponsored
health benefit package. Most health insurance plans have provisions
for prescription drugs. However, if your current health insurance
policy provides insufficient prescription drug coverage, or if you
have no drug coverage at all, you may wish to consider a prescription
drug plan as a supplemental source of protection. It is important
to note that some prescription insurance plans are true "insurance
plans" where you pay a deductible and/or a co-payment for prescriptions.
Others are merely discount programs where you pay for the drug yourself
but at a lower price. The cost of prescription insurance varies,
depending upon the plan that you choose and your individual circumstances.
Prescription insurance plans that are purchased on an individual
basis are generally more costly than those that are offered through
a group-sponsored plan. Many prescription drug plans have a mail
service component that allows participants to have prescription drugs
delivered by mail. This service is often used for "maintenance" medications
(drugs that are used on a daily or routine basis). Some plans offer
even greater discounts on prescription drugs ordered through the
mail.
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