Prescription assistance programs (PAP) are a subsidy or free medication services by pharmaceuticals and manufacturers to low-income earners. The program has helped millions of individuals who cannot afford medication costs. The government, in its push for universal health care, is encouraging manufacturers to set affordable prices. Apart from the role played by manufacturers, insurance companies help in settling medical bills. However, there are individuals who cannot meet the monthly or annual premiums of a health cover.
Various stakeholders in the health sectors offer coupons to eligible patients. The most tedious process is determining who qualifies for prescription assistance. The providers use different algorithms to determine recipients of the subsidies, but there are some common factors. It essential to understand them before you apply for PAP.
a) Financial capability
The idea behind prescription assistance is to help low-income earners access quality medical services. Different pharmaceuticals and manufacturers set a limit as the threshold for qualification. Most patients who fall below $30000 earning per annum qualify for fully prescription assistance. Subsidies are provided with increasing earnings per year.
It is essential to disclose one’s income so that those who deserve PAP benefit from it. The elderly who have no source of income and caretakers are given a priority.
In case you have a disability, you are given priority in prescription assistance. The provider may require proof from a health professional. It is recommendable to attach such documents when applying for free medication.
c) Insurance cover
The gap between what the medical cover settles and the amount remaining determines whether you can receive prescription assistance. There are several low-income earners without a basic medical cover and bills may be overwhelming. Some conditions like type 2 diabetes require recurrent medication for a long period. Uninsured individuals may not meet Victoza costs for a year or two. Trulicity coupons may help in subsidizing the cost of the drugs without affecting the finances of the family drastically.
Some pharmaceuticals may require an insurance cover so that they can offer prescription assistance. However, there are others that provide the services to individuals without a cover. Some drugs are highly expensive and the health coverage may not meet all the cost, thus creating a need for assistance.
d) Number of dependants
At times the family income may be squeezed to cater for medication, education, and other basic needs. If the number of dependants is high, one is given a priority not to compromise other necessities.
How to apply
Most PAP providers require you to submit your details online to determine eligibility. The essential details are age, income, prescribed drug, and disability status. Once you submit the information, the provider evaluates the extent of assistance that you will receive. It can be full or partial prescription assistance. Giving false information can lead to instant disqualification even in future medications.
Prescription assistance programs have helped millions of Americans access quality medication. The low-income earners do not have to go without drugs to treat diabetes, hypertension, arthritis, asthma and other illnesses which may strain one’s income.