Mom's Story, A Child Learns About MS

Mom's Story, A Child Learns About MS
Available on Amazon and

Saturday, March 12, 2011

Use your existing benefits and entitlements

No single insurance policy, program, or discount card is likely to include every prescription drug you may need. To find the best prices and services, you should take some time to identify the program or programs that can best meet your needs. The Internet is the best way to access this information. You may want to ask a family member or friend to help you, especially if your Internet access is in a public library, community center, or Internet café.

If you have some coverage for prescription drugs, make sure you’re making the best use of it to minimize your out-of-pocket burden. Review your health plan manual.

Are you following the plan’s rules about choice of pharmacy, the plan’s formulary (list of drugs approved for coverage) or “tiered co-payment” arrangements?

Are you using a mail order pharmacy for medications you take regularly over time? Most plans offer savings for this. If you need drugs such as antibiotics or painkillers right away or on a short-term basis, you can get them at a community pharmacy even if you use mail order for your long-term needs.

Have you discussed generic alternatives with your doctor?

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