Understanding Co-Pays on Prescription Health Insurance in Frisco TX

Health Insurance Frisco TXVisiting the pharmacy is not really what anyone wants to do, especially if they don’t really understand their health insurance in Frisco TX. However, it is a necessity if you want to heal what ails you. Pharmacy employees often get the brunt of angry customers who might be a little confused over why they are paying more for their co-pays than what they expect. To make sure that the next time you are sick you understand how co-pays work, use this guide to eliminate any confusion so that you know what to expect.

Prescription Co-Pays Are for 30 Days

A co-pay is good for one medication purchase, up to 30 days worth of medication. If your doctor prescribes three pills, then you’ll pay the co-pay once. If the doctor prescribes 90 pills, you will pay co-pay once, as long as those 90 pills are to be taken within 30 days. However, if you need the three-pill prescription again in the same month, you’ll have to make another co-payment.

While it might sound simple enough, your co-pay could be double if the doctor prescribes medication to be taken for more than 30 days. Even if you are to take the medication for 31 days, expect to make two co-pays; one for the first month and the other for the second month, even though it’s only one day and one prescription.

Prescription Co-Pays Apply to One Medication

If your doctor prescribes a medication for your illness and then, through testing, it is discovered that another medication is better or more efficient, then the health insurance in Frisco TX is like others across the country where you’ll have to pay another co-pay, because the medication is different.

The 30-day rule applies to one medication, not for as many medications as possible during that time. So, when you need to pay the pharmacy additional co-pay due to the doctor requiring a different medication, you’ll be well served to prepare yourself to pay.

Prescription Co-Pays Don’t Apply to Over-the-Counter Medications

Have you ever picked up some over-the-counter medications and taken it to the pharmacists desk to pay with your insurance card, only to find that you can’t do that? That’s because there are so many over-the-counter medications available that insurance companies typically do not cover them.

Drugs that you get from the pharmacist are more potent medications that cannot be sold without a doctor’s prescription. Additionally, some of these medications are so cheap that it wouldn’t be worth using your co-pay. However, there are some instances where your doctor might prescribe some over-the-counter medicine, or medical apparatus that your insurance does cover because the doctor prescribed it. Check with your insurance company first, before you get upset at the pharmacist.

Now that you know some of the co-pay rules for health insurance in Frisco TX and when they are used, you can be rest assured that you won’t have any financial surprises when you have your prescriptions filled at the pharmacy. If you still have questions about how your specific medication co-pay works, call the Anthony Blackmon Agency at (469) 291-9006. Our professionals can help!

Health Insurance Frisco TX
Anthony Blackmon Insurance Agency
9191 Kyser Way, Suite 200
Frisco, Texas 75034
(469) 362-8484

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