Some health insurance policy do not give room for prescription coverage.
You then need to buy a separate policy for prescription 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 and your doctor says you get an expensive maintenance drug,you may then buy the policy at that time.
It is noteworthy that you can change your prescription insurance at a specific time of the year; however, you can add a new prescriptions but you can't change the plan.
Prescription insurance can hardly be taken by someone who rarely takes prescription medications.
But, a person who takes maintenance drugs for diseases like hypertension, diabetes, heart disease or immune disorder will surely need insurance to cover the high costs of drugs.
Prescription insurance policies are usually comes in different levels,that is a generic drug is at a low or no co-pay,the 2 level could be the genuineness of the brand name,the 3 level could be a brand new expensive drug that the co-pay could be a certain high percentage of the cost The first thing you need to do when selecting a prescription insurance,is to make a list of the prescription that you take 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 the prescription co-pay will be and add this 2 figures together.
Decide which is the cheaper alternative.