One of the most common questions we get is if the prescription drug assistance we offer is the same as medical insurance. In short, no it isn’t, although there are some similarities. It is, however, important to stress that our program is NOT affiliated with any health care provider, Medicare, state, or governmental program.

Two Similar But Different Affordable Ways to Obtain Medication

While prescription drug assistance program and health insurance are two totally separate animals, they both provide a similar service. Here is the difference.

With a discount plan like the one you receive through Advocate My Meds, most pay an annual or monthly fee and you get a discount card, kind of like a membership card. When you go to fill your prescriptions, the pharmacy will give you a pre-approved percentage off of your medication. The cost of medication may vary, and in some cases, it may be completely free of charge.

With insurance, you pay a certain amount either directly to the insurer or to your company each month, and you are granted prescription insurance. Similarly to a discount plan, your insurance plan and coverage dictate the amount you get off of certain drugs, and this amount may vary, such as in the case of brand-name vs. generic drugs.

How To Be Eligible for Prescription Drug Assistance

While health insurance can be bought privately or obtained through your employer, individuals hoping to get prescription drug assistance must apply and qualify prior to receiving this service. To qualify, patients must meet the following criteria:

• -Be a U.S. citizen or legal resident
• -Have no existing prescription insurance coverage
• -Have an income under 200% of the Federal Poverty Level

There is no fee to submit an application, so there’s nothing you will lose by checking out if you meet the criteria. Once you qualify, you can get a membership fee for as low as $39.95 per month. There is no limit to the amount of medication you can get.

The Benefits of a Prescription Drug Assistance Program

The number one benefit of this kind of program is saving your money. Not only that, but you may be able to obtain medications that previously were not in your budget. Being able to take the medication you need will help you live a better quality of life, free from pain and other ailments.

Additionally, Advocate My Meds takes care of all of the footwork necessary to negotiate costs and work with your doctor for refills, etc. The earlier you can start taking advantage of this program, the better off you will be.