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Some health insurance policy do not give roomfor prescription coverage.You then need to buy a separate policy forprescription medications. What you have to do in this case, is to make inquiries well enough ans research well in order to get the best policy you need. It is not a must have policy like health insurance coverage,it entails a calculated a risk but not that on a high side.You can buy a prescription insurance at any time,if the need arises andyour doctor says you get an expensive maintenance drug,you may then buythe policy at that time. It is note worthy that you can changeyour prescription insurance at a specific time of the year,however youcan add a new prescriptions but you can't change the plan.Prescription insurance can hardly be taken by someone who rarely takeprescription medications.But, a person who takes maintenance drugs fordiseases like hypertension,diabetes,heart disease or immune disorderwill surely need insurance to cover the high costs of drugs.Prescription insurance policies are usually comes in differentlevels,that is a generic drug is at a low or no co-pay,the 2 levelcould be the genuineness of the brand name,the 3 level could be a brandnew expensive drug that the co-pay could be a certain high percentageof the cost The first thing you need to do when selecting aprescription insurance,is to make a list of the prescription that youtake and the retail price. If you are not on insurance,the retail price will be your monthly cost.Ask the provider what the premium will be,then what amount theprescription co-pay will be and add this 2 figures together. Decidewhich is the cheaper alternative
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