Georgia Health Insurance and Affordable Prescription Medication

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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