How to Save On Unplanned Health Costs Due to Sudden Illnesses

How to Save On Unplanned Health Costs Due to Sudden Illnesses Many individuals take critical illness insurance to cover the costs of sudden or critical illnesses such as heart attack, organ transplant and cancer that a regular plan won’t cover. However, these plans are only limited to a few critical illnesses and emergencies. If you want a plan with wider coverage, you will have to pay more in premiums.

However, there are exceptions to serious illnesses that these plans cover. Chronic illnesses are often not covered, and you may also not be given the benefits if a disease comes back, such as a second heart attack or stroke.

Seniors need to be particularly careful of these insurances as there could be age limits and also limits for payout on some plans. Some insurance can also have “age reduction schedules”, so your potential insurance payout will diminish as you get older.

High deductible health plans Many choose high deductible health plans or HDHPs that come with affordable premiums but they may have to pay a substantial amount as high deductibles if a serious illness strikes. Your deductibles could be nearly as high as covering the entire costs of mediations and treatment.

For example, if your plan has $1000 as deductibles, you may have to cash out $1000 of your own money before your insurance provider starts covering most of your procedures and office visits.

People with HDHP may consider making contributions to either a Flexible Spending Account (FSA) or Health Savings Account (HSA), both of which allow for tax benefits when used for qualified expenses related to healthcare.

And let’s not forget copayments or copays that your plan may require you to pay every time you get a prescription filled or make a visit to a doctor’s office. Your prescription copay will vary from medication-to-medication. The higher the tier of your medication in your plan’s formulary, the higher your copay will be.

Common diseases due to lifestyle Modern-day lifestyle is responsible for certain illnesses among the Americans at an early stage of life, such as kidney problems, high cholesterol, intestinal obstructions, birthing problems, infectious diseases and asthma. These illnesses could turn to be chronic and add to your healthcare burden in addition to sudden illnesses.

Sudden illnesses can offset your budget Higher patient frontend cash payments in medications, higher cost-sharing of the treatment and formulary exclusion of some specialty medications can really offset your budget in case you suffer a sudden or critical illness.

Alternatives to cover costs of sudden illnesses Sudden and critical illness expenses are unavoidable and a common cause of bankruptcy in the USA, you should consider alternatives to insurances to manage your healthcare expenses for sudden illness. You can use your EzRx drug card to save on medication costs with insurance to meet your out-of-pocket expenses for sudden illnesses. Patients in the donut hole, having Medicare including Part D or getting Medicaid or any federal or state-funded prescription insurance can use EzRx drug discount card to save on medication costs with insurance as the card works independently of insurance and can be used both by those without health insurance or with it.

Use your EzRx card for prescription cost savings You can use your EzRx prescription cost savings card to save on meds and lower the cost of your medications with high deductibles and copayments as the card may offer you a better price than your copays with your insurance. The card can be used for savings on prescriptions for the medications not covered by your plan. EzRx prescription savings card offers medication savings on both branded and generic medications each time you go to a pharmacy to fill your prescription, which could be as much as 85%. You can also use it as Albuterol HFA inhaler prescription savings card, flu discount card, Adipex discount card or Benzonatate prescription savings card for saving on prescription medications.

Download your prescription drug savings card for free EzRx prescription savings card never expires and can be shared with family, friends and colleagues to help them save on medications for their sudden illnesses. It’s provided for free, there are no fee, registration, upfront or renewal costs. We do not solicit your personal information to provide you your free EzRx medications savings card, anybody can freely download their card from www.ezrxdrugcard.com regardless of their medical history, age or

employment status. You can also get your free digital drug savings card by texting the keyword “EZRX” to phone number 21000.

Show your EzRx drug card to the pharmacists to get an instant discount on medications when you go to fill your prescription. The card is accepted at over 65,000 pharmacies all over the USA, including major chains such as CVS, Target, Winn Dixie, Rite Aid and Walgreens. For better savings on prescriptions, check drug prices at www.ezrxdrugcard.com to get your medications at the lowest price at a local pharmacy near you.