Ms. Gates has recently become dually eligible for medicare and medicaid. She is very concerned about how this will affect her prescription drug coverage. What should you tell her?.

I would suggest ms. Gates. Verify each plan's offerings and coverage details for the medications and services she need. She should also inquire about the duration of the coverage and any gaps in it.

What medicines are covered by insurance?

The majority of medications that your general practitioner or consultant prescribes are covered by the standard package. You might occasionally have to cover a portion of the expense on your own. Or your insurer might only offer full coverage for a drug's most affordable form. The first amount removed from your excess is the cost of medications that are covered by your insurance policy.

Most health insurance companies only cover the lowest version of a drug. It is nearly identical to the branded medicine or includes the same active component. If your doctor has prescribed the more expensive medication for a medical condition, your insurer could agree to pay for it. For instance, you might have an allergy to a component of the less expensive medication. In that situation, the prescription must be marked as "medically required" by the physician.

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