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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Prescription drug card issues

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: I was sent a paper for my insurance for prescription coverage only. Not much information was on it. I went to the web address and could not log in. I did not receive a card to take to the pharmacy.

A: What is the name of the company that issued your prescription coverage? (It is necessary to know this in order to find out where to get help). There are more than 100 companies nationally issuing Medicare and non-Medicare prescription drug coverage. Almost all have a pretty good reputation for customer service by telephone. If you have not found this to be the case, then it is time to change insurers. If it turns out that you are not getting much benefit from a prescription insurance plan, then try a prescription discount plan instead. These are cheaper, cover more prescriptions, are not affected by pre-existing conditions and are accepted by virtually all pharmacies. They are easy to use and you need little help once you receive the card. Almost all of the Medicare prescription cards have now been changed from discount cards to insurance cards, but individuals who are not covered by Medicare and who pay for their own health care coverage are probably best served by staying with discount cards rather than insurance cards. The plans at offer excellent service and a 30 day risk-free trial


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