Prescription Plans For Diabetics

Prescription plans for diabetics are often a more important part of a health plan than they are for the general population. Diabetics might have prescriptions for insulin as well as other medical conditions such as hypertension, cholesterol, etc. Plus, many diabetics spend a considerable amount on testing supplies each month.

We have a direct website where you can look up prescriptions and apply for this plan directly online. Just click on this Prescription Plans link and then look for the Rx Gold plan

What Prescriptions Plan Won´t Do

I think we need to get something cleared up before we begin. Even though many of us are now using lower cost generic prescriptions whenever we can, many people are still spending a considerable amount of money on expensive brand name prescriptions.

If you have prescription that is costing you $300 a month at your local pharmacy, it is highly unlikely that any private prescription plan will make it possible for you to buy the same prescription for $100 a month or less. Not if they want to stay in business.

However, if you are willing to use mail order sources, many plans, including the one described here will help you save considerable amount of money.

Your goal should at the very least be to save more money than the plan costs each month. I know that this sounds like a simple principle but many people overlook it.

How Prescription Plans Work?

Most plans have two different ways you can purchase prescriptions.

The first is through a network of local pharmacies. The plan is part of a Pharmacy Benefit Manager (PBM). These PBM´s have negotiated rates with major pharmacy chains. You get the advantage of these discounts.

It is not an across the board standard discount. It varies from drug to drug and store to store. If a pharmacy is already discounting a particular drug they are not going to take off as much as a store that is not. You need to do your homework. You need to make a few calls with your prescriptions and find out who is the cheapest.

The second network of providers is through the mail. This is where you can save a lot of money. A good prescription plan will give you multiple sources for your prescriptions. They might show you a source in Turkey or in Canada. They come from all over the world. But you will notice that the manufacturers are the same.

Remember that most, if not all prescription plans are discounts and not insurance. This is not an insurance plan. Insured plans are sold along with or a part of your health insurance plan.

These prescription plans for diabetics are really for anybody. Obviously, we have a site about products for diabetics and do want to get your attention. But anyone can purchase, utilize and save money with this plan.

There are no waiting periods for pre-existing conditions and no deductibles. Again, this is because it is a discount plan and not insurance.

Will This Plan Work For Me?

The exact answer to that question is “maybe”. You need to do the math (nothing beyond what you learned in third grade) to answer the question.

List your prescriptions and look them up to check cost. Call up Walgreens or Costco to see what they get for them. Compare this to what you pay now. Are you saving money? Is it more than the plan costs? If so, you know what to do next.

Just a quick note on generic versus brand name drugs. If you are taking a brand name prescription, you should check with your doctor to see if there is a generic at lower cost that will work for you. Sometimes there is no difference in how well it works but a huge difference in price. Your pharmacist can also make some recommendations.

Finding a Prescription Plan

There are a number of prescription plans on the market. Some charge a small monthly fee while others are no cost discount cards issued by large pharmacy chains.  We have found one that seems pretty good. Of course you need to look up your prescriptions, the savings, the cost of the plan and decide for yourself. You can view it at this link: prescription plans. Just click on the Rx plan button.