We work with clients to help them find affordable medical insurance in Atlanta Georgia and show them how to become smart shoppers when it comes to prescription medication. As a general rule, if you want to save money overall, prescription coverage and Rx copay’s don’t play well together. When a health insurance company is reviewing your application they evaluate the cost of treating the illness as well as the cost of any medication.
Here is a clue.
If you are taking a prescription drug that is advertised on TV you are probably paying too much.
Paying too much in higher health insurance premiums, and paying too much for a medication that can treat your problem for a lot less. Consumer Reports illustrates this in their comments on a popular drug used to treat BPH (benign prostate hypertrophy). Many doctors prescribe a widely advertised drug Flomax to help men who have a “going” problem.
Flomax is an alpha-blocker and a recent report indicated there is no single alpha-blocker that is better or safer than another. Flomax will set you back as much as $250 per month but a careful shopper can find it at about half that price.
But a generic alpha-blocker such as Doxazosin is less than $10.
If you are looking for a Georgia health insurance plan with a copay, and are taking Flomax, you should consider the impact that will have on your final rate. It would not be unusual for a health insurance company to increase your premiums by $100 per month to cover the additional risk of Flomax.
Opting for a different plan that does not have a copay could save you $150 per month (when compared to a comparable copay plan). Add in the additional savings of switching to a generic alpha-blocker and your premium savings could easily be $300 per month.
There are many different ways to make health insurance in Georgia more affordable and this is just one of those ways.
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