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Colorado Health Insurance Insider

Cutting edge health insurance analysis. Licensed broker assistance.

Help With Excluded Medications

September 7, 2006 By Jay Norris

In the last few days, I’ve had a large number of people sign up for underwritten individual/family policies knowing they’re going to have an exclusion on a medication they’re currently taking.  They would pay 2 to 5x more in premiums compared to the cost of the medication to get a guarantee issue “group” policy like Cover Colorado.  So they understand that getting a policy with an exclusion is their best option, but they still may not be able to pay for the medication they need so badly.

In this situation, I give people a couple options to possibly still get their medications covered:

  • First, needymeds.com is a non-profit organization setup to assist people that need help paying for their medicine.  They don’t actually provide the medicine, but they help you find programs that can.
  • Second, bidforRx.com has pharmacies compete for your business using a reverse-bidding process.  You just give them the medications you need, and you just choose the best bid.

Filed Under: Advice

About Jay Norris

Jay operates a health insurance brokerage in Colorado, where he helps individuals and small groups obtain and maintain health insurance coverage, provides data analysis, and creates visualizations that are easily understood by consumers and other stakeholders in Colorado’s health insurance market.

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