Medication selection is often a decision made by your doctor. The medication you are currently taking may no longer be working properly for you. Or, a new product may be on the market that seems to be a better fit for your needs.
Whenever you are facing options and changes with your medications, it is always best to sit down and talk to your doctor as well as your insurer about your options, as well as about the health insurance coverage you have.
Some health insurance companies limit the types of medications patients can have access to through the plan. There are various questions insurers will have regarding the use of the medication:
- Is this medication an approved one? In other words, the insurer must have listed it as an applicable treatment option for some type of need.
- Is the medication being prescribed the common protocol? Some coverage may be limited if the medication is not intended for use with the condition you have.
- Is there a generic or alternative product that is just as effective but costs less?
- If it is a name brand or expensive product, is it medically necessary?
Ultimately you will want to listen to your doctor about the medications you are taking, why you are taking them and whether it’s the best option for you. However, it never hurts to ask questions. For example, you may wish to ask your doctor about a medication you’ve heard about or if there is a generic or off-brand option that your health insurance may cover.
In some cases, the best course of action is in fact to choose a new health insurance plan. If you cannot get coverage for your medication or you feel you are still paying too much for it, now is an excellent opportunity to update your health insurance coverage to a plan that is a better fit for your unique needs. Do not overlook the fact that your health matters most. And if your insurer tells you no, find out why, ask for an exception or look to a new provider for the support you need.
Get the coverage you need. Call ECI Insurance Agency at (405) 373-2977 for more information on Oklahoma City health insurance.