Reclaiming Your Health during the Financial Crisis

In today’s economy there are many Americans that are struggling to make ends meet. This includes many seniors and family members who suddenly have to choose between their medications and putting food on the table . . . you may be one of them. And, as much as you might like to live within the realm of an alternative health lifestyle, there are some cases in which you simply must turn to conventional medicine. The good news is there is hope for those individuals who do not have drug coverage or do not have enough financial resources to cover all their medications.

One of the most popular programs available is the patient assistant programs provided by many private pharmaceutical companies. These programs are completely voluntary and the rules and regulations for eligibility are not regulated by the federal government.

While each company has their own set of rules and regulations when it comes to eligibility, there are a few general rules that are common for most of the programs. Each has an application process that can vary by company. Some applications are available online while other companies require your doctor request the application on your behalf.

Some companies also require your physician to sign your application before it will be considered. Generally these companies will inquire about your prescription coverage, veteran’s status, eligibility for public programs, and income and assistance information. They will also ask for documentation to be provided on your income status, Medicaid or insurance denial letters, prescriptions from your doctor, and the consent forms that come in your information packet.

Even though this seems like a lot of intrusive questions to obtain your medications, the reward for all this frustration is that if approved you can receive your medications for free or for very little cost. These programs will cover some generic medications as well as brand name medications. For all the rules and regulations of these programs and a complete list of the pharmaceutical companies that offer assistance programs visit RxAssist at RxAssist.org. This website offers information that you can take to your physician and discuss the options available to receive your medications for free or for a more affordable price. They also offer a few companies’ applications on this site, but most will have to be obtained through your physician.

While these programs are great for patients that cannot afford their medications, some individuals will not qualify. However there are other programs available to those who are having trouble qualifying.  State Medicaid programs are available for many individuals who are either disabled or senior citizens. There are also programs available through state funded hospitals.

 In this economy where every penny counts, those who do not have health coverage or prescription drug coverage should take advantage of the programs offered. Most programs do have income restrictions, but they are looser than state run insurance programs. Some companies also have restrictions on how many times you can have your medication refilled; this is based on both need and income.

Sometimes everyone needs a little help, and these companies are volunteering to help Americans that are in need of medicine but cannot afford it.

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