HEALTH INSURANCE

Click HereYou are a single mom,so if your employer doesn’t provide affordable health insurance, you may not have access to it at all. What are you supposed to do when your children are sick? It is difficult enough to pay for the doctor’s appointment, but when you head to the pharmacy you will find yet another financial hurdle that you must jump. The good news is that there are prescription programs you can use to help you save some money on the rising cost of prescription medications.

The prescription drug manufacturers themselves are the ones that provide these programs. They are designed for people like you who have low incomes but are not poor enough to qualify for government aid programs. The companies offer these programs to help their public images, because they can state that they provide free or discounted medication to people in need.

How can you find these programs? The first step is to talk to your doctor. You may find that your doctor has free medication samples that you can use, saving you the hassle of contacting the pharmaceutical companies. Your doctor will also know of the programs that are currently available from the major prescription drug companies. Let your physician know your situation, and see what he suggests.

If you qualify for a program, your physician will have to apply for the program for you. These programs are often designed for those who need ongoing medications. Perhaps you need help paying for your child’s inhaler or your blood pressure medication. If so, then this is a good route to pursue. If you are looking for a discount on drugs you need temporarily, you may need to pursue other options.

Most pharmacies offer discount clubs that you can join that provide you with access to prescriptions at a discounted rate. Before joining one of these, make sure that you will not be paying more for the club membership than you will save. If you rarely need medication, this may not help.

Finally, remember to request that your doctor check the box for generic medications on your prescription. Many national pharmacies have discount programs that anyone can use to buy generic prescriptions. You could be paying $100 for a medication that would only cost $4 if you bought generic. By following these steps, you can cut down on the cost of your prescription medications, saving more money for you to use on your precious kids.