Are You Sick and Tired of High Health Care Costs?
Today’s health care costs are outrageously high. If you don’t have any insurance or very little insurance a trip to the doctor can be devastating financially. Many go to the doctor and can’t pay for the service. Once they’ve been seen they will most of the time have a prescription to fill. So now comes the choice pay the doctor or fill the prescription?
I’ve been in that situation before and maybe many of you have as well. I know what I did….. I went and got the script filled and payed the doctor when I got the extra money to do so. Then of course you have the billing folks hounding you to death and all you can do is send them what you can and sometimes ya just can’t send them anything. Then the credit report gets messed up, and thus the negative chain reaction begins. Thousands upon thousands… more like millions are faced with this very decision and set of circumstances every single day.
Prescription medication is very expensive in todays society. So what does one do? You can’t very well go around sick and get even sicker. You have to see a doctor. You can’t very well go without your prescriptions. How else are you going to get well?
Some folks have to take prescription medications on a daily basis to control chronic health conditions. For our nations senior citizens there’s medicare. How much will this insurance cost? Cost will vary depending on which plan you choose, which drugs you use and whether you get help paying your Medicare Part D costs. Most Part D drug plans charge a monthly premium (an average of $27.93), a $275 deductible and a small co-pay for each drug. Some people qualify for extra help paying their costs. If you think you qualify, contact the Social Security Administration to apply.
If you don’t qualify for extra help, your drug plan may have a “coverage gap” — some people call it the “donut hole.” A coverage gap is a period of time in which you will have to pay for all your prescription drug costs yourself. The coverage gap begins once you and your plan have spent $2,510 on prescription drugs. After that, you will continue to pay your monthly premium and you will pay for the next $3,216 of your drug costs out-of-pocket. Once you reach your coverage gap limit, you have “catastrophic coverage.” This means you only pay a small amount for each of your drugs for the rest of the year.
Even those individuals on medicare are experiencing high prescription medication costs due to what is known as the medicare plan part D “GAP” which is exactly what it says it is. It’s a gap in prescription medication coverage. This is a heavy burden for our nations seniors who are on a fixed income.
Well, in the midst of all the madness there is a free health care benefit that everyone can take advantage of. NuLegacy International is leading the way with a free health care benefit that is free to everyone. It’s a discount prescription medication card that saves individuals up to 75% off on prescription medications and offers discounts on over 1,700 lab/imaging & diagnostic tests.
It might be worthwhile for seniors and everyone to do a cost analysis on their prescription drug costs and find out just how much you really are paying with medicare and other insurances as compared to the the free discount card that Nulegacy offers free to everyone as there are no premiums to pay or deductibles to meet. One just may find that the free health care benefit offered by Nulegacy international is all they need. Many use this free benefit in the “gap” period and rightly so. No one should ever pay full price for prescription medications.
Rich Ward writes on variety health related topics as well as other subjects. For more information and to learn how you might obtain a free health benefit card with Nulegacy International visit http://freehealthcarebenefits.blogspot.com
