Health Insurance Plans for Family

A pharmacist is the furthest thing from an insurance broker, but there is an intersection for the two professionals in that having health insurance through your employer or private family health insurance means you’ll have a copay arrangement for your Rx medications. People with children are going to have their kids covered under the same insurance plan and that’s how it’s all designed to work. But even with insurance it can be that prescription drugs are expensive, and that’s why people may order medication from Canada.

Brokers do insurance, and we have lower prices on Rx drugs plus added expertise in serving as a central fill pharmacy in Canada and being a pharmacy benefit manager able to serve as a provider for healthcare plan providers in the USA. It’s possible that any of the family health insurance providers you’re working with may want to find a lower wholesale price for Rx meds. We are an excellent choice for others who want to work with us as a partner pharmacy and authorized to distribute pharmaceuticals across all 50 states and most U.S. territories.  

For those with family health insurance it may be that their copay doesn’t defray the cost of medication enough for a prescription drug that one of the family members needs to be taking on an ongoing basis. A good example of how acute this problem can be is the insulin caravans of diabetics who would meet and travel across the border to buy insulin for a much lower price than they’d pay if they were not getting their prescription filled in Canada. That’s doable if you live in one of the northernmost States, but if not it’s best to get diabetes treatment medication from this side of the 49^th parallel. 

Good Guardian  

Americans who are insured through their employer may still be getting their medication through Medicare Part D, and plan administrators will want to be working with a central fill pharmacy that is able to get them these medications at the lowest prices. That’s something that is increasingly difficult to do, and for a lot of people they’ll be relying on the ability to avoid increases in the premium they pay to have family health insurance through the father or mother’s employer. Having a pharmacy benefit manager in Canada is a means of doing that for them.  

Private family health insurance is going to be the need for those who don’t have that type of arrangement and these plans tend to be pricey in America too. There are some more affordable US healthcare plans and one thing that is true is that previous administration was making progress with lowering the cost of drugs and improving health insurance. Hopefully this is something that we will resume in 2025, but if drug prices are a sensitive issue for health plan providers it will make sense to inquire about working with us as their pharmacy benefit manager.