Worlds Largest Online Library of Drug Policy

Online Drug Library

Prescription Drug Insurance

Many people have criticized the drug industry, the government, and the insurance industry as the focus has been on rising costs of health care. Yet the fact remains that prescription drugs account for the bulk of the cost increases. If you are fortunate enough to have access to prescription drug insurance through an employer sponsored or self-funded plan, rest assured you are in a better place than some.


Prescription drug insurance takes many forms. There is government paid and discounted prescription drug insurance plans, there are self-funded individual and group prescription drug insurance plans and there are employer sponsored plans. Only the largest employers can still afford the good prescription drug insurance plans. This is due to the discounted rates on premiums because of group purchasing, but many employers are finding themselves in need of sharing the rising costs with their employees.

Prescription drug insurance that is made available through work often comes as a package deal with health insurance. Typically, the plan covers both name brand and generic with a standard co-pay applied to each prescription. The co-pay is normally higher for name brand drugs. Though to some, a prescription drug insurance plan with a set co-pay is more than they could ever hope for, many insured individuals find that the plan provides little benefit to them. This is due in part to the fact that most working insured individuals only fill a handful of prescriptions each year and find the premiums they pay are more than their out of pocket expense might have been. Exceptions to this are large families with younger children and people with chronic conditions such as asthma or diabetes.

Similarly, self-funded or discount prescription drug plans do not appeal to consumers who spend little on prescription drugs each year. It is those without coverage and who require prescription medication on a regular basis who are in need of a reasonable and affordable choice. It is estimated that at least half of non-senior working Americans are without prescription drug insurance. Government assistance is only available to those whose income is within certain poverty guidelines.

Prescription drug insurance premiums are not likely to fall in the near future, but if you can find a way to participate in group buying, you will be able to secure the best coverage and rates.

Disclaimer: Cliff Schaffer does not personally endorse or support any of the comments made within the writings of this article.

Library Archives

Schaffer Library

Buy Prescription
Buying Prescription Drugs Online
Buying Prescription Drugs Online 1
Buying Prescription Drugs Online 2
Buying Prescription Drugs Online 3
Canada Prescription
Cheap Prescription Drugs
Discount Prescription Drug
Discount Prescription Drugs
No Prescription
Non-Prescription Drugs
Online Prescriptions
Online Prescription Drugs
Online Prescription Drugs 2
Order Prescriptions
Prescription 2
Prescription Cards
Prescription Diet Pills
Prescription Drugs
Prescription Drugs 2
Prescription Drugs 3
Prescription Drugs 4
Prescription Drugs 5
Prescription Drugs 6
Prescription Drug Addiction
Prescription Drug Assistance
Prescription Drug Card
Prescription Drug Cost
Prescription Drug Identification
Prescription Drug Identification 2
Prescription Drug Information
Prescription Drug Insurance
Prescription Drugs Online
Prescription Drugs Online 2
Prescription Drugs Online in Canada
Prescription Drug Plans
Prescription Drug Plans 2
Prescription Drug Program
Prescription Drugs Side Effects
Prescription Medication Online
Prescription Medicine
Prescription Meds
Prescription Pain Medication
Prescription Pain Pills
Weight Loss Prescription

Drug Detox:
Alcohol Detox
Cocaine Detox
Drug Detox
Methadone Detox
Opiate Detox
Outpatient Drug Detox
OxyContin Detox
Rapid Drug Detox
Vicodin Detox
Vicodin Withdrawal

Types of Drugs:
AIDS drugs
Alzheimer's Drugs
Anti Anxiety Drugs
Antidepressant Drugs
Canada Drugs
Canada Drugs 2
Canadian Drugs
Canadian Drugs 2
Cheap Drugs
Chemotherapy Drugs
Cholesterol Reducing Drugs
Diet Drugs
Diet Drugs 2
Discount Drugs
Discount Drugs 1
Discount Drugs 2
Drugs Generic
Drug Herbal
Drug Identification
Drugs in Sports
Drugs Online
Drugs Online Without a Prescription
Drug Supply
Drug Supplies
Drugs That Reduce Cholesterol
Eczema New Drugs
Fertility Drugs
Generic Drugs
Hair Loss Drugs
Health Drugs
Herbal Drug
Herbal Drugs
Homemade Drugs
How to Make Drugs
Mail Order Drugs
Mail Order Drugs 2
Medical Drugs
Medical Marijuana
Mexican Drugs
Mexican Drugs 2
Mexico Drugs
Migraine Drugs
Online Drugs
Online Drugs 2
Osteoporosis Drugs
Over the Counter Drugs
Pain Drugs
Performance Enhancing Drugs
Pharmacy Drugs
Respiratory Drugs
Street Drugs
Treatment Drugs
Veterinary Drugs
Weight Loss Drugs
Weight Loss Medication



Prescription Drugs:

Copyright © 2006 All Rights Reserved