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Florida's Health Insurance Advice for January 7th

Are Discount Prescription Drug Cards A Form of Affordable Health Insurance?

In all likelihood, you have probably seen them - whether you are at Walgreen's, CVS, or any various pharmacy across America, discount prescription drug programs seem to be offered everywhere. You can peruse an array of discount prescription programs online, and emails are often sent to elicit enrollment into different plans. So, what exactly are discount prescription drug cards?

Let us take a look at Walgreens as an example. Called the "Walgreens Prescription Savings Club," members have access to discounts on over 5000 brand name and generic medications. More specifically, 400 of the generic prescriptions are priced at $12 for a 90 day supply. For $20 a year, an individual can receive reductions in the cost of many of the medications he or she already uses. An entire family would pay only $35 a year.

Other discount prescription drug programs do not charge any fee. For instance, YourRxCard allows you to download a free prescription drug card online, instantly providing you access to savings up to 75% off all FDA approved drugs at 57,000 pharmacies across the United States. This site lists the following as the benefits of the program:

* No deductibles
* No waiting period
* No pre-existing exclusions
* Everyone qualifies
* Instant activation

YourRxCard even offers a medication pricing tool to find out how much your prescription will cost, as well as a pharmacy locator to find pharmacies in your area that participate in this program. Are programs such as the "Walgreens Prescription Savings Club" and YourRxCard considered a form of affordable health insurance?

The answer is, quite simply, no. Although discount prescription drug cards provide a savings for individuals and families who require an assortment of medications, they are not really a form of affordable health insurance. Instead, they are more of a supplement to existing health insurance. However, even if one does not have health insurance, he or she still can utilize the benefits from these types of programs in order to receive lower costs for prescriptions that are necessary to obtain.

Not all discount prescription drug cards are for everyone. Some find a significant savings while using one of these cards, while others find little to no saving at all. Some programs have restrictions, such as income limits and age limits, while others claim to provide discounts to everyone with no constraints. Some discount plans can be used in addition to one's health insurance, while others can only be utilized if the person or family does not already have access to prescription benefits in existing insurance coverage.

Although discount prescription drug cards are not considered a form of affordable health insurance, it may prove to be a wise decision to use them as additional coverage that will reduce the costs of medications. This is especially the case for those who find their monthly prescription bills to be very costly.

Buying individual medical insurance in the State of Florida can be a nightmare. Choose a policy after consulting a professional! Our experienced health insurance consultants provide accurate and reliable information that can be utilized to get the most beneficial health insurance policy available in Florida. (read more)

Florida's Best Individual Health Insurance Plans
Avoid paying too much! We cater to your individual needs. Our experienced health insurance professionals believe you should be able to afford a health insurance policy, and they will find one to fit your needs, and budget. Our professional insurance consultants take the worry finding the right insurance plans. Our Individual health insurance services are delivered to you with extensive knowledge of the Florida Insurance marketplace. You'll get the best price - guaranteed! (read more)

About Individual Insurance
Insurance Advice From Morgan Moran

January 7, 2009 -- Floridians that are self employed, small business owners, or are independent contractors will need their own private Florida individual health insurance policy. These health plans in Florida are fully underwritten, which means, factors such as your health, prescriptions you take, and previous medical history will help determine if you are eligible for coverage.

Other unique factors that determine the rates of you Florida individual health insurance policy would be demographics such as your age and what zip code you live in. There are a few general guidelines that will help you make the best Florida individual health insurance decision. The first Florida health insurance option for self employed Floridians is to simply apply for an individual health insurance policy.

Individual health insurance rates in Florida are very competitive. There are many insurance companies that would like to earn your business. The major benefit to applying for an individual health insurance policy is that individual health insurance rates will vary among insurance carriers.

You can see that first hand by viewing quotes here on our web portal. We offer side by side comparisons of all top rated health insurance carriers in Florida.

The only snag that some people encounter when applying for an individual health insurance policy in the state of Florida is that you must be pretty healthy. According to Florida state law, a health insurance company can decline your application for an individual health insurance policy based on your prior medical history.

Most Insurance consultants will refer to this situation as there client having a pre-existing condition. Many other factors such as height and weight restrictions and other health related criteria come into play.

Be sure to contact your Florida health insurance broker to find the plan that meets and exceeds all of your expectations.


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