How Can a Prescription Network Help? Citizens today need all the help they can get to spend for the high costs of medicines for their sickness. Prescription plans can be availed that will help a person on his or her medical expenses and one of these is Medicare. But with the release of the Medicare Advantage Plans and the Medicare Part D prescription drug plan, medicare became complicated and confusing to some who have not yet tried availing of the plan. It is advisable therefore to understand your insurance option and choose which prescription drug would be the best choice, a task that is difficult for some. However, even if one has selected already his or her plan, the costs of the medicines can still be very high that some still cannot afford to purchase. Thankfully, several services are now available that can provide assistance about Medicare to people. Note that some are free and not also known. Let us discuss briefly some services that will offer help to you for your understanding about your medicare insurance options and also help you cut down costs of your prescription medication. One service is through HICAP or Health Insurance Counselling Assistance Program that every state is required to give for free.
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One service is through pharmaceutical companies called Patient Assistance Program, where the individual need not pay his or her medication or at a little cost only. You only have to show your proof of insurance and financial status together with the application that both of you and your physician who prescribed the medication. The rules of eligibility however could differ in each pharmaceutical establishment.
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Your Medicare Savings Program will help you pay some of your Medicare premium or deductible costs. Accompanying this is our Medicare Part B monthly premium, and note that depending on your earnings, the approval will based upon this. Next service that will help you is the Medicare Extra Help or Low Income Subsidy Program, under the prescription costs of Medicare Part D, like coverage gap, premiums and co-pays. Another service called the Medicare Rights Center, offers free counselling and advocacy to members of Medicare. In this office, the staff are extremely knowledgeable about Medicare even if they are not staff of Medicare. If you are still working but will be soon eligible for Medicare, you can ask your Human Resource person for advice. And then there is the State Pharmaceutical assistance programs that can assist older adults pay for some of their medical bills, although not all states offer this program. Those who have served in the military will be eligible for services and prescriptions under the department of Veteran Affairs. There are organizations too which assist individuals with co-pays with regards to some medications and based on their disease.