Insurance Health Insurance

Health Insurance and - Psychotropic Drugs - Tips and Information

Because of abuse, dependency, and other issues surrounding benzodiazepines, medical insurance companies are usually leery of working with patients who need these kinds of medications.
Some companies will include riders and exclusions regarding these medications, while others will not offer coverage for people at all.
Benzodiazepines are psychotropic drugs, commonly known as tranquilizers, which are designed to treat anxiety and A.
D.
D.
as well as other mental health disorders.
Most benzos, as some know them, are on the DEA schedule of controlled substances because of their psychotropic effects and their high risk of dependency.
Getting medical insurance when you need these medications or finding coverage for these conditions can prove to be a challenge in some cases.
While benzodiazepines are typically used for mental disorders, they can also be prescribed for seizures, insomnia, alcohol withdrawals, muscle relaxation, and other ailments where the body needs to be relaxed chemically.
These drugs can be dangerous because they often calm people down to a point where they aren't able to function normally.
They are also highly addictive in most cases, which is why health insurance companies are always wary of covering these medications or will have specific regulations in place regarding the use of them.
Some examples of benzodiazepines include: Xanax, Valium, Ativan, Klonopin, Halcion, Doral, Librium, Tranxene, Prosom, Dalmane, Serax and Restoril.
These medications are all approved for use within the U.
S.
for medical treatment, but that doesn't make them safe.
Insurance companies will typically cover treatment with these medications for a specific period or to a certain degree, but some insurance companies won't offer prescription coverage at all.
For example, Aetna does not cover prescription benzodiazepines, and they are a major health insurance carrier.
Medicaid programs offer limited coverage with strict stipulations on how many pills are allowed each month and what it takes to override those guidelines.
As you can see, it's not easy to get health insurance coverage for benzodiazepines in most situations.
You have to make sure that you look at this before you buy a health insurance policy to be safe.
If you already have health insurance that doesn't cover this type of prescription and you can't afford it for yourself, seek out a prescription plan that will allow you to get coverage.
Another option that people have is to get free samples from their doctor or psychiatrist, if they have them available.
Most importantly, you should never assume that benzodiazepines are covered by health insurance until you ask.
If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance.
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