4 Secrets To Shopping Health Insurance Coverage For You And Your Family

Mike Sonneveldt serves as the Senior Health Editor at Prescription Hope, where he leads the content writing division. A graduate of Grand Valley State University with a Bachelor of Arts in English Language and Literature, Mike brings nearly 20 years of writing experience to the team.
Home | Blog | Secrets | 4 Secrets To Shopping Health Insurance Coverage For You And Your Family
Updated on Mar 26, 2026

OPEN ENROLLMENT IS HERE

This is a friendly reminder that Open Enrollment is November 1st – December 15th. We understand how frustrating it can be to find the proper health insurance coverage. While there are many sources to gather information from, most information is misleading with you and your family last in mind. Most health insurance plans are expensive and do not provide the proper coverage you need to protect you and your family. To guide you in your decision so you can make sure you and your family are taken care of here are 4 secret to know when looking for health coverage.

After reading these 4 major secrets to know when shopping for health insurance, keep reading down below for an affordable solution to the spiraling costs of medication.

THE 4 SECRETS TO KNOW WHEN SHOPING FOR HEALTH INSURANCE AND MEDICATION COVERAGE:

  1. Co-pays – Be aware these payments can add up because you will have to pay your co-pay out of pocket every time you have to go to the doctor, hospital and pharmacy.
  2. Deductibles – These can be costly. You will be paying thousands out of your pocket on top of your co-pays and premiums until your deductible is met.
  3. Premiums – These payments can add up every month even if you are not using your health insurance.
  4. Medication Coverage – Make sure the medications you use is in your health insurance medication formulary.

These are the first 4 most over looked secrets that are told when shopping for health coverage. Knowing these costs can mean the difference between spending hundreds, if not thousands on medications every month, and saving that money with an alternative option.

a woman types on a computer researching health insurance

THE REAL PROBLEM

Medication formularies are quickly shrinking. Every single day the medication formularies covered by health insurance providers are getting smaller and smaller. This leaves families to take desperate measures by being forced to pay for their life saving medication out of pocket leaving no room basic family needs. On top of the formularies that are shrinking, medications are getting pushed up the tiers causing the price of medication to rise through the roof.

While different actions by the government have attempted to regulate the health insurance industry and their pricing, it cannot solve the issue for every American. People across the nation still struggle to cover their medication costs each month – even with some of them having a form of health insurance.

However, no matter what health insurance coverage an American has, they may have a reasonable option when it comes to medication costs.

IMAGINE PAYING A SET PRICE OF $70.00 a month through Prescription Hope’s medication access service for each medication through our medication access service

If you are part of the millions of Americans getting trapped by monthly medication cost you may want to look more into this program. It may help you, even if you are uninsured, underinsured, insured, or even on Medicare.

What are the benefits?

  1. There are no co-pays, deductibles or premiums.
  2. A set price of $70.00 per month for each medication no matter the retail price, there are no supersizes on what you will be charged for your vital medication
  3. A team of advocates dedicated to assist you with any questions you may have regarding your medication.
  4. The confidence of knowing that your medication will be refilled month after month with out lapse in therepy.

HOW IT WORKS

Visit Prescription Hope to submit a free online application. Our highly trained advocates will handle the rest. Medications are distributed directly from 180 U.S. pharmaceutical manufacturers. We work with patients across the nation to provide low-cost medication with a stable, simple, and easy monthly payment of $70.00 per medication, per month. And if a savings solution does not apply, Prescription Hope continues working to find other ways patients may save, including discount cards or discount programs, coupons, savings programs, and similar options.  Learn More Apply Now

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Save Money On Your Prescriptions Today!