Do not overlook the additional coverage needed to fill you medications. Not all health insurance policies include your pharmaceuticals. The deductible you pay for pharmaceuticals may have nothing to do with the cumulative inpatient or outpatient care deductible. Be weary of low drug deductibles because they may reflect in you entire health insurance premium.
Also, make sure to inquire about the dug list or “formulary.” Often times these lists are not made available to the public. Compare this list to the drugs you are currently using, or drugs you may need in the future, such as antibiotics that you know work best for you when you are sick. If you find that your prescription is not listed, ask the insurer if exceptions are made for the drugs you do not see listed as well as the process of getting that drug approved and how much time it should take to get approval.

About LifeTips

Now one of the top on-line publishers in the world, LifeTips offers tips to millions of monthly visitors. Our mission mission is to make your life smarter, better, faster and wiser. Expert writers earn dough for what they know. And exclusive sponsors in each niche topic help us make-it-all happen.

Ask a Question

Not finding the advice and tips you need on this Health Insurance Tip Site? Request a Tip Now!

Guru Spotlight

Jennifer Mathes, Ph.D.

Ever wonder how you could make your life better and more fun? So have tens of millions of fans who have turned to LifeTips for answers over the past decade. We keep the tips, advice, books, podcasts and writing services flowing, so you can keep your life and business growing in the right direction. Upward!