The price of medications has been steadily increasing over the years, and there is no sign that prices will be going down any time soon. Studies show that the prices of some top-selling brand-name medications, like insulin, have gone up over 50% in the last decade. These sharp increases in prices have left many people unable to afford the medications that they need, and have pushed thousands of people into seeking medications abroad. Purchasing prescription drugs from unknown sources can be dangerous, so instead of taking drastic measures, come to EZ.Insure. We will do our best to find you an affordable healthcare plan that includes the medications you need in a cheaper drug formulary tier.
Millions Seek Medications Abroad
It is no secret that millions of Americans are buying their medication from other countries. Drug prices are astronomical in the U.S., and there is no relief in sight. Your medications are necessary, but buying them abroad can be very dangerous, because these drugs can be the wrong dosage, contain different active ingredients from the drug prescribed to you, or even be completely fake. Taking these risky drugs could end up making your condition worse, or even killing you. There is a better way to get the medication that you need. At EZ, we believe that everyone should be able to access affordable medication. We can review the drug formulary that is part of your healthcare plan, and we can also help you find a plan that includes your medications in a lower tier.
What Are Drug Formularies?
Most health insurance plans include a drug formulary, which is a list of generic and brand-name prescription drugs, and how they are covered by your plan. Drugs are grouped into 4 different tiers, and these tiers determine the cost of each medication.
- Tier 1 includes the lowest cost drugs, mostly generics
- Tier 2 includes preferred (meaning that your insurance company prefers that providers prescribe these medications, because they costs less than others) brand-name and generic medications
- Tier 3 includes non-preferred, higher-cost, mostly brand-name medications
- Tier 4 includes specialty drugs, usually used to treat serious illnesses
Tier one drugs require the lowest co-payment because they are usually the cheaper, generic version of brand-name drugs. The higher the tier, the more expensive the medication. Most often if a drug is not covered, you can check with your doctor to see if there is another treatment option that is on your formulary. If there is no way to get your medication covered, or if it is on an unaffordable tier, EZ can help you find a plan that is better suited to your needs.
What EZ Can Do For You
EZ understands that you need affordable access to your medications, and we also understand how drug formularies work, so we can find the best plan for you. Drug tiers vary from insurance company to insurance company, so your drug might be covered differently by one company than it is by another. Your medications might even be classified differently under different plans offered by the same company! Sorting through each drug formulary can be a lot of work, so we will go over all of it with you. If you don’t currently have any health insurance, we can sign you up for a plan with a drug formulary that works for you.
If you have any questions about what is – and what is not – covered under your plan, you can contact your insurance company. And if you are not happy with the coverage you’re getting from your plan, EZ will help you find a plan that provides affordable coverage for your medications. There is no need to take a risk and buy your medications from other countries. EZ wants to make sure that you are safe and taking the proper medications, which is why one of our agents will go over your medical history, including what medications you need to take, and will find a plan that best suits your needs. All of our services are offered for free, because we just want the best for our customers. To search through all of our available plans and quotes for free, enter your zip code in the bar above, or if you want to speak to an agent, call 888-350-1890.
