It is often been said that Americans live to work. This is made evident by the amount of time we put on the clock and by looking at the things we neglect. Life is busy in Chester, NJ so there may be things that go overlooked. When an issue comes up, we circle back and look for answers. When we get sick we will most likely be given a medication, but do you know who pays for that medication? The Insurance Outfit wants you to be prepared for any situation so they advise you to be an informed consumer.
The Answer: Pharmacy Provider
When you pick up a prescription from the pharmacy you normally pay a copay or if not some other predetermined amount. In some cases, you are expected to pay the full price upfront and then submit receipts for reimbursement. Most of the time your health insurance will contract with a pharmacy provider who will provide pharmacy benefits. When you have a problem or an issue obtaining a medication they are the ones you call. In some cases, however, you might have to call the number for your health policy.
The exception to the Rule: Your Health Policy
When the drug is a specialty drug or is not self-administered It may be covered under medical. Most of the time these medications are injectable or intravenous and given via infusion in a doctor’s office or hospital by a nurse or doctor. Examples of these types of medications include chemo, biologics for autoimmune diseases, and immunoglobulin products for immune deficiencies as well as blood and other drugs for patients in need.
The Insurance Outfit knows that Chester, NJ is full of life and things never slow down so they are reachable via phone or email should you have any further questions.