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Free and Inexpensive Drug Prescriptions Available in Florida;  Legend?  Myth?  … Savings!

   I sat with my doctor yesterday and we were discussing among other things insurance coverage (or lack thereof) which lead me to think about a story on the 6 o’clock news a night or two earlier. The piece was about health insurance rates going through the roof and how Florida’s biggest provided and their big blue program leads the way with premium increases. Last year my wife, daughter and I paid $978 a month for health insurance (and yes, we sell the stuff… that’s the best program we could find). This year it jumped to just below $1,200 a month (a house payment for most people).  We finished verbally abusing the current state of health care and got back to my visit. We discussed treatment and medications that I might be able to change or delete all together to save money.

   He sat back and teased me about owning our own insurance agency and even we can’t find a fair and acceptable plan. He handed me a pen and said I’d like you to look up a few things on prescriptions and with what I found I want to pass the information along to our existing and future friends and clients.

Here are a couple of the web sites that my doc suggested… “www.floridarxcard.com”  -  as a resident of Florida you and your family have a Statewide Prescription Assistance Program (PAP). There is also the www.myfloridarx.com  which does a solid job with recommendations on savings for prescriptions.

   Then he told me the story of how Sam Walton and Wal-Mart in trying to build his business at some point came out with a list of prescription drugs at a huge savings.  Currently Wal-Mart has a large list of $ 4 generic prescription drugs (for 30 days) or $10 (for a 90 day supply). Prescriptions’ cover everything from Allergies & Cold and Flu, Antibiotics, Arthritis, Asthma, Cholesterol, Diabetes, Ear Health, Fungal Infections, Glaucoma & Eye Care, Heart and Blood Pressure, Men’s Health, Mental Health, Skin Conditions, Thyroid Conditions, Viruses, Women’s Health and other Medical Conditions.

   I found out that Target, CVS, Walgreens and Winn Dixie all have similar programs.  Publix from what I read does not offer $ 4 generic prescriptions but has a variety of FREE medications for as long as your doctor prescribes.

   The one thing my doctor warned me about is that all of these businesses are in business to make money. If you don’t know that a generic prescription that has been prescribed by your doctor is on their list, there are pharmacists that will charge you your co-pay and bill the insurance company what they are allowed and call it a day (forgetting all about their stores policy). If you do your research and find that one of these stores does have one of your prescriptions “on special” don’t forget to remind them if they happen to forget. You do not have to use your insurance first, this is a store policy that is available to everyone as long as you have a valid prescription from your doctor.   

   I sincerely hope that this reaches at least just one family that might be able to use the information and make their life just a little easier, just a little better. It’s just who we are; at Birchell Insurance we try to do all we can to follow our ideal for our agency …”making insurance easy”.  If you have any questions, we can be reached at 407-936-1572 or (800)978-8813.

David & Lori

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