Prescription Drug Help in Connecticut
Prescription drugs are often life-saving, essential aspects of comprehensive health care. However, they can be cost prohibitive, particularly if the patient is expected to use them long-term, and not every health insurance plan provides coverage for them. Here are six ways that Connecticut residents can get help with their prescription drug costs:
Medicaid (Husky Health)
The state of Connecticut has a Medicaid program called Husky Health Insurance that provides prescription expense assistance for those who qualify. Typically, those people are low-income adults and children, as well as pregnant women. There is a portal to visit to qualify for prescription drug assistance, known as Husky Pharmacy Assistance, and most enrollment for Husky Health can be done through AccessHealthCT.
Medicare Part D
Also known as Medicare Rx, Medicare Part D is the part of Medicare that provides prescription drug and pharmacy coverage to its beneficiaries. It is offered through private companies, but those carriers must partner with the federal government and meet their requirements for plans every year to be allowed to provide Medicare Part D plans. The program is not required, but encouraged for those aged sixty-five and above. There is a penalty for people who do not have sufficient or comparable prescription drug coverage, as well, but decline Medicare Part D. More information can be found at Medicare’s government website.
Low Income Subsidy (LIS) for Medicare Part D
Because Medicare Part D is provided by private carriers, the premiums deductibles, and copays can vary with the type of plan selected. Beneficiaries with limited income may be eligible for further assistance called the Low Income Subsidy. This is a subsidy that pays part of or all of the expenses associated with Medicare Part D premiums. Only those with limited assets or low fixed income will qualify for this subsidy.
Free or Low Cost Prescription Programs
These programs are also known as patient assistance programs. To qualify for these programs, beneficiaries must have no insurance, have low income, and not be eligible for a government assistance program like Medicaid, which would otherwise pay for part or all of the prescription drug costs. One of these programs is called the Partnership for Prescription Assistance. More programs can be found here.
Discount Prescription Programs
Some bigger box stores, such as grocery stores, that have pharmacies offer lower cost prescription drugs because they can procure them at discount prices, particularly the generic versions of popular prescriptions. Not all generics are covered, but some stores that do this include Big Y, CVS, and Walmart. Some hospitals also offer these generics discounts, such as Saint Raphael in New Haven or Saint Vincent Medical Center.
Online or Mail Order Prescription Programs
The popular medical advice website WebMD offers information on how to obtain prescription drugs through the internet or mail services.
In Connecticut, there are many ways that residents can access assistance with their prescription drug costs. Help is available for premiums, copays, deductibles, or simply the cost of the medication itself.
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